Who are we

Marcelo de Araújo Noronha

Chief Executive Officer

Chief Executive Officer (CEO) of Banco Bradesco S.A. since November 2023, noted for his professional experience, acquired over more than 38 years in the financial market, 20 of which were dedicated to the Bradesco Organization, where he worked in the areas of Cards, Wholesale, Marketing, and Retail.

At Bradesco, he held various leadership positions throughout his career, including vice presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International, and Foreign Exchange. He was also responsible for Bradesco Cartões and affiliated payment and payment institution companies, including positions on the Boards of Directors of companies such as Alelo Instituição de Pagamento S.A. and Cielo S.A. – Instituição de Pagamento. In 2026, he was appointed a Member of the Board of Directors and the Advisory Board of Federação Brasileira de Bancos (FEBRABAN), and elected Chair of the Council of Representatives of Confederação Nacional das Instituições Financeiras (FIN).

His management style is results-oriented and focused on the continuous pursuit of innovation. He has been recognized for his ability to lead complex projects and for his strategic vision, which has helped strengthen Bradesco’s position in the financial market.

He holds a degree in Business Administration from Universidade Federal de Pernambuco (UFPE), with a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), in Financial Institutions Management (Banking) from Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas (EAESP – FGV), and an Advanced Management Program (AMP) from IESE – Instituto de Estudios Empresariales of Universidade de Navarra in Barcelona. He is a certified advisor by Instituto Brasileiro de Governança Corporativa (IBGC).

Cassiano Ricardo Scarpelli

Vice President

Vice President of Banco Bradesco S.A., where he began his career in 1984 as a messenger. Since then, he has dedicated his professional life to the Bank, being elected Officer in 2007, Deputy Executive Officer in 2015, and Vice President in 2018, a position he still holds today.

He has consolidated his career in areas such as: Capital Markets, Budgeting and Control, Shares and Custody, Treasury, and Prime. He currently holds the position of CFO (Chief Financial Officer) of the Organization, responsible for the Financial Planning and Controllership and Market Relations structure; and concurrently, he acts as CTO (Chief Transformation Officer), responsible for leading the Operational Transformation Office of Banco Bradesco and CIO (Chief Information Officer) on an interim basis.

Graduated in Economics from Faculdade de Ciências Econômicas e Administrativas de Osasco (FEAO), he complemented his education with the International Executive Program at Queen’s School of Business – Queen’s Executive Program, in Ontario, Canada.

José Ramos Rocha Neto

Vice President

Vice President of Banco Bradesco S.A. since December 2022, with experience gained at Banco Bilbao Vizcaya in the areas of Trade Finance, Business Development, and Middle Market Platform. He joined Bradesco in 2003, where his solid track record and expertise in Loans and Financing, in addition to his experience in the Operations, Cash Management, and Investments areas, led him to the position of Vice President.

He holds the position of Vice Chairman of the Board of Directors of Cielo S.A. – Instituição de Pagamento and Chairman of the Board of Directors of Banco John Deere S.A, in addition to other positions on the Boards of Directors of companies, including Cielo S.A. – Payment Institution, Alelo Payment Institution S.A., Elo Participações LTDA, Elo Serviços S.A. and Livelo S.A. He was Chairman of the Board of Directors of ABECIP – Associação Brasileira das Entidades de Crédito Imobiliário e Poupança, Vice-Chairman of the Executive Board of FEBRABAN – Federação Brasileira de Bancos, Titular Advisor to the Council of Representatives of CNF – Confederação Nacional das Instituições Financeiras, President of the Distribution Forum of ANBIMA – Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais and Alternate Member of the Board of Directors of CIBRASEC – Companhia Brasileira de Securitização.

He holds a degree in Economics from Universidade Federal de Pernambuco (UFPE) and a postgraduate degree in Business Administration CEAG from Fundação Getúlio Vargas Escola de Administração de Empresas de São Paulo (FGV – EAESP). He has also participated in several international executive programs at renowned institutions, including those offered by the Wharton School of the University of Pennsylvania, Authentic Leadership Development by Harvard Business School, the Corporate Management III Program from IESE Business School at the University of Navarra (Spain), the Leadership at the Peak Program by the Center for Creative Leadership, and Excellence in Leadership by Stanford University School of Business. He has also participated in important leadership and executive development programs, including: the Integrative Leadership Program at Desenvolvimento e Educação and Programa de Desenvolvimento (PDE) at Fundação Dom Cabral (FDC).

Guilherme Muller Leal

Vice President

Vice President of Banco Bradesco S.A., where he has had a successful career since February 1990, when he began working at Banco de Investimentos Garantia. Over the years, he held various positions in both Rio de Janeiro and São Paulo in the Corporate Banking area until his transfer to Banco Bradesco S.A. in September 2003. His rise in the organization culminated in 2011 with his election to the position of Officer. After his entire career on the Board of Directors of Banco Bradesco, in February 2024, he was promoted to Vice President.

He holds a degree in Economics from Universidade Santa Úrsula (USU) and a postgraduate degree in Corporate Finance from Pontifícia Universidade Católica do Rio de Janeiro (PUC/RIO). He participated in the Executive Development program at Fundação Dom Cabral (FDC).

He also distinguished himself in international executive programs, including Authentic Leadership and Behavioral Economics at Harvard Business School, the Executive Education Program at New York Trend Consulting, the Wharton Advanced Management Program, Executive Negotiation Workshop at the University of Pennsylvania – The Wharton School, and the Leadership at the Peak Program at the Center for Creative Leadership Staff and Leadership at the Peak Participants, Colorado Springs, USA.

Bruno D’Avila Melo Boetger

Vice President

Executive Vice President of Banco Bradesco S.A. since February 2024. He began his career in 1990 at Citi and Salomon Brothers Inc, where he held positions in New York (USA) and São Paulo (Brazil). In April 2007, he joined the Bradesco Organization through Banco Bradesco BBI as Executive Superintendent, reaching the position of Director in April 2008. In 2011, he became General Manager of the New York Branch (USA).

He brings with him extensive experience in investment banking, acquired throughout his career at renowned financial institutions in Brazil and abroad. His work at Bradesco includes leadership in several strategic areas, mainly in wholesale banking, contributing significantly to the organization’s growth.

He holds a degree in Business Administration from Fundação Getúlio Vargas (FGV) and has participated in international executive programs such as: Advanced Management Program at Harvard University, Senior Executive Program at London Business School, and Master in Business Administration at Cornell University.

Roberto de Jesus Paris

Executive Officer

Executive Officer of Banco Bradesco S.A. since 2019, appointed due to his professional experience acquired over more than 38 years in the financial market.

He began his career in the sector in January 1987 at Banco Bradesco S.A., where he worked in the International and Foreign Exchange Area and was Officer of Bradesco Asset Management between 2021 and 2023. He also served as an advisor to companies such as CETIP and Bradesco Europa and was sector Officer of Treasury at Febraban from 2013 to 2021. He is currently responsible for the Treasury, Economic Research, Private Equity, and Venture Capital areas, and is a Officer at Anbima. His career, in various leadership positions, has made significant contributions to the Organization.

Graduated in Administration from Universidade Paulista (UNIP), he holds an Executive MBA in Finance, with an emphasis on Market Finance, from Instituto de Ensino e Pesquisa (Insper) and participated in important international executive programs, such as: Executive Education Program by the Graduate School of Business – Columbia University, New York, USA, in addition to the Chartered Financial Analyst (CFA) Certification by the CFA Institute, in Virginia, USA.

Oswaldo Tadeu Fernandes

Executive Officer

Executive Officer of Banco Bradesco S.A., responsible for the Bank’s finance areas (Controllership, Accounting, Corporate and Tax, Assets, Purchasing, and Independent Model Assessment).

He has extensive knowledge of tax, accounting, and corporate matters, and has worked in the Bank’s Capital Markets areas as a financial advisor in acquisitions and mergers, in Controllership in relation to budget preparation and investment evaluation, and in Accounting in the preparation of financial statements for the entire Organization.

Graduated in Accounting from Faculdades Metropolitanas Unidas (FMU), with two postgraduate degrees and an MBA, including a postgraduate degree in Controllership from Fundação Armando Alvares Penteado (FAAP), a postgraduate degree in Financial Management from Faculdade de Economia e Administração (FEA/USP), and an MBA in Controllership from the University of São Paulo (USP).

Juliano Ribeiro Marcílio

Executive Officer

Executive Officer at Banco Bradesco S.A. He began his professional career in 1994 at Citibank Brazil in São Paulo. From 2002 to 2012, he worked at UNIBANCO – União de Bancos Brasileiros S.A., Teleperformance Brazil, and Serasa Experian. In November 2013, he joined HSBC Bank Brasil S.A. – Banco Múltiplo as Head of Human Resources, remaining there until October 2016. Throughout his career, he has held prominent positions in companies in the financial market and credit analysis.

In 2016, he was elected Officer, responsible for Human Resources, and served as HR Director at Bradesco Seguros, Latin America’s largest insurance company in the automotive, residential, health, life, capitalization, and pension segments. In August 2023, he was promoted to Executive Officer.

He holds a degree in Business Administration from Pontifícia Universidade Católica de São Paulo (PUC-SP), with a specialization in Banking & Financial Services Program from the University of Michigan – Executive Business School. He has also participated in important international executive programs, such as: General Management Program at Harvard Business School, General Management Renewal at Harvard Business School in Shanghai, China, and AMP – Advanced Management Program at ISE/IESE – Business School through the University of Navarra.

André Luís Duarte de Oliveira

Executive Officer

Executive with 30 years of experience in the financial market, with extensive knowledge in the areas of credit, data, machine learning, AI, and risk. He joined Banco Bradesco in May 2019 as Officer responsible for the CRM and Data Intelligence areas. In March 2024, he assumed responsibility for the Credit Business Unit as Executive Officer of Banco Bradesco.

He holds a degree in Mechanical Engineering from the Escola Politécnica da Universidade de São Paulo (POLI-USP) and an MBA with honors from the Kellogg School of Management at Northwestern University in Illinois, United States.

Cíntia Scovine Barcelos de Souza

Executive Officer

Chief Technology Officer (CTO) and Executive Officer of Technology at Banco Bradesco since February 2024, responsible for architecture, infrastructure, IT operations, cybersecurity, data, and artificial intelligence. Member of the Board of Directors of Banco Bradesco Europa and Vice Chairman of the Board of Directors of Kunumi.

A technology executive with over 32 years of experience leading teams in search of innovative and creative solutions, she has in-depth knowledge of hybrid cloud, data, and artificial intelligence, as well as resilient solution architecture and infrastructure technologies.

Graduated in Electrical Engineering with an emphasis on Electronics from Universidade Federal do Rio de Janeiro (UFRJ), she completed the Advanced Management Program (AMP) at Harvard, holds an MBA in Business Administration from Universidade Federal do Rio de Janeiro (IBMEC Rio) and in Cloud Engineering & Architecture from Faculdade de Informática e Administração Paulista (FIAP). She has an extension course in Software Projects in UML from Pontifícia Universidade Católica do Rio de Janeiro (PUC/RIO) and has participated in important international executive programs as: Directing Innovation at Smith College and Leadership at the Peak at the Center for Creative Leadership (CCL). In addition, she is currently enrolled in the Advanced Boardroom Program for Women at Saint Paul.

She was CTO (Chief Technology Officer) at International Business Machines Corp (IBM) for financial markets and the first woman to be recognized as a Distinguished Engineer in Latin America.

Fernando Freiberger

Executive Officer

Executive Officer at Banco Bradesco S.A., where he leads the Ultra Corporate Segment, Bradesco Payments, and Banking as a Service. He began his career in the banking sector in 1993 at BankBoston and has held prominent positions, including Executive Officer – Head of Commercial Banking at HSBC Bank Brasil.

He has over 30 years of experience in the banking sector and more than 20 years in team management, always focusing on solutions, both commercial banking and investment banking for corporate clients.

Graduated in Economics from Faculdade Católica de Administração e Economia (FAE) in Curitiba/PR, he honed his skills through various courses in Brazil and abroad, especially the Credit Analyst Program, a long-term training course (6 months) at BankBoston in Boston (USA).

José Augusto Ramalho Miranda

Executive Officer

Executive Officer at Bradesco, overseeing the Bradesco Global Private Bank, Bradesco Principal, Bradesco Investimentos, Bradesco Bank, and Bradesco Europa divisions.

With more than 25 years of experience in the local and international financial markets, he consolidated his career with a strong focus on wealth management and investment strategies for high-net-worth individuals.

He holds a degree in Business Administration from the Pontifical Catholic University of São Paulo (PUC-SP) and has completed executive education programs at prestigious international institutions, including Harvard Business School (HPLP), NYU Stern (Leadership Developing Skills), ISE/IESE (PMD), the Center for Creative Leadership (LAP), and Stanford University (SEP).

He serves on the board position at Tivio Capital and is a member of YPO.

Marcos Valério Tescarolo

Executive Officer

Executive Officer at Banco Bradesco S.A., responsible for the following areas: Branch Network Management, Customer Service and Operations Management, Prime Platform, Bradesco Consórcios, Banco Bradesco Financiamentos, Regional Management for the states of São Paulo, Paraná, Santa Catarina, and Rio Grande do Sul, Public Sector Department, and Bradesco Expresso.

With over 41 years of experience in the financial market, he has extensive experience acquired throughout his career, where he has been responsible for managing the branch network, leadership of bank acquisition processes, business management, planning, expansion, restructuring and incorporation of branches, administrative and audit processes, compliance with regulatory agencies, implementation of new technologies, among others. He also worked on the Bank’s segmentation process, contributing to the creation of the following segments: Corporate, Companies, Private, Prime, in addition to the processes of creating Regional Management and Boards. He is an executive with extensive experience in the areas of Retail Banking, Consortiums, card ecosystems and payment methods in Brazil and Mexico, Agribusiness, and Banking Correspondents. In 2010, he was assigned to take on a project in Mexico when C&A Mexico’s card operations were acquired, and he greatly expanded the operation in that country. Upon his return to Brazil in 2017, he was Officer responsible for Bradesco Consórcios, Bradesco Cartões, Bradescard Brasil, and Mexico. In August 2023, he took over as Officer of the Retail Network, and in March 2024, he was elected Executive Officer.

Strategic and pragmatic professional with broad business vision, recognized for his ability to lead complex structures and regulated environments, strong discipline in execution and turnaround, focused on driving results and ROE, managing large teams, developing talent, and integrating strategy. Strong communication with the Board, investors, and senior management.

Graduated in Business Administration from Universidade São Francisco (USF), Postgraduate in Business Economics – Financial Area from Pontifícia Universidade Católica de Campinas (PUC – Campinas), with an MBA in Financial Strategies and Marketing from Fundação Instituto de Administração (FIA). He has also participated in international executive programs, such as: High Level Management – Senior Executive Management of Companies from IPade Business School – Mexico; Urban101x: CitiesX from Harvard University; and LEAD1X: Exercising Leadership: Foundational Principles from Harvard University.

Renata Geiser Mantarro

Executive Officer

Executive Director at Banco Bradesco S.A., with expertise in the financial industry, particularly in Internal Audit, IT Governance, Compliance, Risk Management, and Basel II, among other areas.

Within Global Internal Audit, serves as Chief Audit Executive (CAE), responsible for the independent execution of audit, advisory, and investigation activities. Assesses governance, risk management, and internal controls, ensuring the generation and protection of organizational value, with direct reporting to the Board of Directors.

In her 43 years at the Organization, she has demonstrated expertise in several areas, including systems analysis and development. She worked for 4 years in the Overseas Units and held the positions of Executive Superintendent of IT Audit and Business (Brazil and Abroad), Administrative Director of Banco Bradesco de Investimentos (BBI), Compliance Officer and IT Governance Officer.

Graduated in Literature – Full Degree and Literature – Qualifications as Translator and Interpreter, both from Faculdade Ibero-Americana. She has a postgraduate degree “Lato Sensu” with a specialization in Foreign Trade from Universidade Presbiteriana Mackenzie; a postgraduate degree “Lato Sensu” with a specialization in Strategic Management from Faculdade de Administração e Negócios (FIA); an MBA with a specialization in Information Technology from Universidade de São Paulo (FEA/USP); an MBA in International Management Program – Euromed Marseille – École de Management – France (FEA/USP); and an MBA in Strategic Business Management – Fundação Getúlio Vargas (FGV). She completed the Program for Management Development (PMD) – IESE Business School – University of Navarra, the Essential Leadership Skills for Organization – ELOS, the Leadership at the Peak Program – Colorado Springs – Center for Creative Leadership – CCL, Advanced Management Program (AMP) – Harvard Business School (USA) and AI Strategy and Leadership Program: Thriving in the New World of AI – Massachusetts Institute of Technology (EUA/MIT).

Vinicius Urias Favarão

Executive Officer

Executive Officer at Banco Bradesco S.A. since March 2024, also serving as Chief Risk Officer and Chief of Staff. Responsible for the areas of Compliance and Non‑Financial Risk Management, Corporate Strategy, Regulatory Strategy and Interface, Financial Risk Management, Corporate Risk Management, Ombudsman’s Office, Corporate Governance, Corporate Security, and Bradesco Holding de Investimentos.

With over 30 years of experience in the financial market, he worked in corporate client management, in the direct consumer credit, cards and payment methods segment. He was responsible for the operation of the American Express Establishment Network in Brazil after its acquisition by Bradesco, and was Product Officer at Bradesco Cartões, managing the Visa, Elo, Mastercard and Amex portfolios. He took over Bradesco Promotora in 2013 and, in 2017, became head of operations at Bradesco Cartões. In early 2021, he took over the operation of Bradesco Financiamentos, an operation focused on financing for the acquisition of light and heavy vehicles. He serves on the Boards of Directors, Executive Boards and Committees of companies such as Cielo S.A., Alelo S.A. Livelo S.A and Elo Serviços.

Graduated in Business Administration from Universidade Paulista (UNIP), with a “Lato Sensu” Postgraduate Degree – Executive MBA in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), “Lato Sensu” Postgraduate Degree – Executive MBA with Emphasis in “General Management” from Instituto Brasileiro de Mercado de Capitais (IBMEC), MBA in Administration and Retail Business from the Fundação Instituto de Administração (FIA), AMD (Advanced Management Program) Bradesco from ISE Business School, CCA+ Professional Advisor Certification from Instituto Brasileiro de Governança Corporativa (IBGC) and AMD (Advanced Management Program) from Harvard Business School.

Silvana Rosa Machado

Executive Officer

Executive Officer of Banco Bradesco S.A., since April 2024, also assuming the position of Chief Human Resources Officer (CHRO). Responsible for the areas of People, Culture & Performance and Sustainability areas, she has expertise in strategic projects in the financial services segment and human capital management, having worked in renowned companies such as: Booz-Allen Hamilton Inc., Kearney Consultoria de Gestão Empresarial Ltda., Banco ABN Amro Real S.A., Banco Santander (Brasil) S.A., Egon Zehnder International Ltda. and Advent International Ltda.

Executive with more than 35 years of professional experience in multinational consulting and financial institutions, she is recognized for her strategic vision and in-depth knowledge of the financial market. She has experience in leading organizational transformations and stands out as an agent of change. Her personal resilience, ability to mobilize and competence in serving clients are valued qualities.

She has a degree in production engineering from the Escola Politécnica da Universidade de São Paulo (Poli-USP) and an MBA from the Universidade de Chicago. She is also certified as a coach by the Instituto Ecosocial and has a postgraduate in psychoanalysis from the Fundação Armando Alvares Penteado (FAAP). She is also certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Túlio Xavier de Oliveira

Executive Officer

Executive Officer of Banco Bradesco S.A. since April 2024, responsible for Digital Retail. An experienced executive in the financial services and digital market sector, he has built a solid career in the market. His experience includes several executive positions in renowned companies, including Itaú Unibanco, PayPal and Mercado Pago. In 2025, he became Vice Chairman of the Board of Directors of Associação Brasileira das Empresas de Cartões de Crédito e Serviços (ABECS) and Officer at Banco Bradescard S.A.

Throughout his career, he has developed a reputation, being recognized for his in-depth knowledge of the financial market and his leadership skills in executing strategic plans and implementing business initiatives.

Graduated in Electrical Engineering from Universidade Estadual de Campinas (UNICAMP), he also has an MBA in Strategic Management, Economics and Finance from Universidade Estadual de Campinas (The University of Chicago – Booth School of Business), in the United States.

Francesco Di Marcello

Executive Officer

Chief Information Officer, Chief Innovation Officer, Chief Experience Officer and Executive Officer at Banco Bradesco S.A. since August 2024, he works with the team responsible for the organization’s digital transformations, with the responsibility of promoting change and increasing agility and efficiency at the bank.

His experience in the areas of Digital Transformation & Agile Service Line in Multinationals and with a solid career in the national and international market, covers several executive positions in renowned Multinationals, including McKinsey & Company, where he served as Lead Partner in the Agile and Digital Transformation and Agile service lines in Brazil and international markets, in addition to Optima Group and Accenture. He has participated in digital transformation projects in several companies in Brazil and abroad.

Lead Partner of the Agile service line in Latin America, Global Co-leader of Digital & Agile Service Line/Financial Institutions. (São Paulo, Brazil) at McKinsey & Company, Chief Executive Officer (CEO) and Chairman of the Board of Optima eXcange Services (Optima Group) – (Moscow, Russia), Managing Director of Tescom Group (Optima Group) – (Moscow, Russia), Managing Director – Financial Services at Optima Group – (Moscow, Russia), Project Manager at McKinsey & Company – (Moscow, Russia) and Junior Project Manager at Accenture – (Turin, Italy).

Graduated in Aerospace Engineering from Politecnico di Torino (Italy).

Júlio Cesar Bueno

Executive Officer

Chief Legal Officer (CLO) and Executive Officer at Banco Bradesco S.A., Júlio César Bueno is responsible for the Legal, Governance, Institutional and Government Relations areas, being the interface between the institution, public authorities, regulators, and other strategic stakeholders.

He has 35 years of national and international experience in complex litigation. Before joining Bradesco, he built his professional career at Pinheiro Neto Advogados, where he started as an intern in 1989 and became Partner and Head of the Litigation practice. Throughout his career, he has led legal strategies in complex disputes, arbitration, mediation, and contracts involving infrastructure and the public sector, in addition to working on regulatory compliance, corporate governance, banking law, and consumer law.

At the institutional and industry level, he has held relevant positions in national and international organizations, being President of the Executive Board of the Dispute Resolution Board Foundation (DRBF), Co-chair of the International Construction Projects Committee (ICP), Vice-Chair of the Latin American & Caribbean Users’ Council of the London Court of International Arbitration (LCIA), as well as Fellow of the Chartered Institute of Arbitrators (FCIArb) and the International Academy of Construction Lawyers (FIACL).

He is Vice President of FEBRABAN – Federação Brasileira de Bancos.

He holds a Law degree from Universidade de São Paulo (USP), a Ph.D. in Civil Procedure Law from USP, and a Master of Laws (LL.M.) from the University of Cambridge, United Kingdom.

Alexandre Panico

Executive Officer

Executive Officer at Banco Bradesco S.A. since 2025. He has extensive experience in the financial market, with over three decades working at national and international institutions. In October 2016, he joined Banco Bradesco S.A. as Superintendent of Bradesco Corporate and, in 2019, was elected Officer. In 2020, he took over as Officer of the Bradesco Corporate Department. In December 2025, he was promoted to Executive Officer. He is currently a member of the Board of Directors of Fundação Bradesco.

He holds a degree in Business Administration from Escola de Administração da Universidade São Francisco (USF), with additional training in People Management from Insper, a specialization in Corporate Banking from Fundação Getúlio Vargas (FGV), and training in Credit and Cash Flow from Universidade de São Paulo (USP).

Carlos Henrique Villela Pedras

Executive Officer

Executive Officer at Banco Bradesco S.A. since December 2025. He has over 30 years of experience in the financial sector, with a focus on Corporate & Investment Banking, structured finance, and relationships with large companies. In 2026, he became a Member of the Board of Directors of Alelo S.A.

He joined Banco Bradesco in 2004 and, throughout his career, has held leadership positions in different areas and regions of the country. He was Officer of Large Corporate throughout 2025 and Officer of Ultra Corporate between 2019 and 2024, in addition to the positions of Regional Corporate Officer in the states of Rio de Janeiro and São Paulo and Executive Superintendent of Corporate in the Southern Region.

Before joining Bradesco, he served as a senior officer at Banco Itaú and BBVA. He is an economist with a master’s degree in Financial Economics from Boston University, a bachelor’s degree in Economics from Universidade Federal do Rio de Janeiro, Program for Management Development – PMD from IESE Business School; and Leadership at the Peak (LAP) – Center for Creative Leadership.

José Maria Soares Nunes

President

Effective Member of the Fiscal Council of Banco Bradesco S.A. since March 2014, serving as Coordinator of the body since 2022. He contributes significantly to governance, fiscal oversight, and the Bank’s institutional soundness. He also brings relevant experience from serving on fiscal councils of companies and organizations such as Cielo S.A., Companhia Brasileira de Soluções e Serviços, Fidelity Processadora e Serviços S.A., Top Clube Bradesco, and Fundação Bradesco.

He joined Banco Bradesco S.A. in June 1982, where he built a solid executive career. He served as Executive Superintendent of the Tax Audit Department from 1998 to 2000 and, from 2000 to 2002, as Officer of Banco BCN S.A., during the institution’s acquisition process by Bradesco. In 2002, he assumed the role of Departmental Officer of the Operational Control Department (currently the Business Operations Department), focusing on segregation of duties, mitigation of operational risks, and strategic support to Treasury. Between 2009 and 2012, he returned to the Tax Audit area as Departmental Officer, with responsibility for tax, corporate, compliance, and tax litigation matters.

Graduated in Accounting from Faculdades Integradas Santo Antônio – Universidade São Francisco (São Paulo), he holds an Executive MBA in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC).

Joaquim Caxias Romão

Effective Member

Effective Member of the Fiscal Council of Banco Bradesco S.A. since March 2022, also serving as a Full Member of the Fiscal Council of Bradespar S.A. He has over 30 years of experience in the tax, fiscal, and accounting areas, with a strong track record in risk management, corporate governance, and internal controls, particularly within large financial institutions.

He began his professional career at Ernst & Whinney (now Ernst & Young), where he worked as an external auditor for domestic and multinational companies, as well as financial institutions, focusing on accounting, tax, and legal-tax matters. This experience played a key role in developing his technical expertise in risk and compliance.

He joined Banco Bradesco S.A. in February 1999, becoming part of the Tax Audit Department, where he built a distinguished career over more than two decades. In September 2017, he was promoted to Executive Superintendent of the Tax Audit Department, a role he held until March 2021. During this period, he was responsible for managing federal tax litigation for Bradesco Organization companies, assessing risks, impacts on accounting provisions, and supporting the Risk Management area. His work was marked by strengthening internal controls and developing systems aimed at mitigating failures in the measurement of values and losses.

Graduated in Accounting from Faculdade de Ciências Jurídicas, Contábeis e Administrativas das Faculdades da Zona Leste de São Paulo (FZL) and in Law from Faculdades Metropolitanas Unidas (FMU), he holds an MBA in Controllership from Universidade de São Paulo (USP), in partnership with FIPECAFI. He has also completed executive education through the Programa de Desenvolvimento Gerencial (PDG) and the Program for Management Development (PMD), both delivered by ISE Business School – University of Navarra, in São Paulo.

Ava Cohn

Effective Member

Effective Member of the Fiscal Council of Banco Bradesco S.A. since May 2022, following her tenure as an alternate member since March 2021. A senior executive with over 25 years of experience in the financial market, she has a distinguished track record in corporate governance, risk management, liquidity, internal controls, and relationships with major investors, corporations, and financial institutions.

Throughout her career, she has held leadership roles at both domestic and international financial institutions of medium and large scale, with a focus on funding and capital raising. She has worked closely with Treasury, Finance, and Risk Committees, contributing to cash flow management, liquidity risk mitigation, crisis management, and the strengthening of operational processes, including back-office functions and know your customer (KYC) practices. Since April 2024, she has served as an Advisory Board Member of Instituto Devolver and, from August 2025, as a Fiscal Council Member of Fundação CPQD.

Graduated in Business Administration from Fundação Getulio Vargas (FGV/SP), she holds an Executive MBA from Instituto de Ensino e Pesquisa (Insper/SP). She has further strengthened her academic and executive background with a strong focus on board performance, governance, innovation, digital transformation, and ESG, including the Advanced Boardroom Program for Women (ABPW), with an international module at ESMT Berlin; LDR – High Impact: Leading Digital Reinvention, with an international module at IBM (White Plains, NY); the C2i (Innovation Board Member) and C2s (Social Board Member) certifications from GoNew; programs from Instituto Brasileiro de Governança Corporativa (IBGC), including Fiscal Council in Practice, Audit Committee, Oversight and Controls, and the Board Diversity Program (PDeC); as well as international programs in innovation and ESG delivered in partnership with Tel Aviv University (Lahav Executive Education) and EADA Business School (Barcelona). She has also completed the Advanced ESG Program and the SEER – Advanced Program for CEOs, Board Members, and Shareholders at Saint Paul Escola de Negócios.

She has been a member of IBEF – Instituto Brasileiro de Executivos Financeiros since 2010, of IBGC – São Paulo since 2019, and of Women Corporate Directors (WCD) since 2023. She previously served on IBGC’s Financial Institutions Governance Committee (2023–2024) and currently participates in its Capital Markets Committee.

Marcos Aparecido Galende

Alternate Member

Alternate Member of the Fiscal Council of Banco Bradesco S.A., elected to this position in March 2025. He also serves as a member of fiscal councils of companies within the Bradesco Group and other relevant financial market institutions, strengthening his role in governance and oversight bodies.

He joined Banco Bradesco S.A. in April 1983, building a solid and steadily advancing career over four decades. In February 2008, he was promoted to Executive Superintendent; in August 2010, he was elected Officer; and in June 2011, he assumed the position of Departmental Officer, a role he held until November 2023. His executive trajectory has been marked by strategic leadership and significant contributions to the Bank’s management and institutional strengthening.

Throughout his career, he has accumulated extensive experience in boards and governance entities, having served as a member of the Governing Board of Fundação Bradesco, chaired the fiscal council of a social organization, and acted as a full member of fiscal councils of various organizations, reinforcing his strong background in corporate governance.

Graduated in Economics and Accounting from Faculdade de Ciências Econômicas e Administrativas de Osasco (FACFITO), he holds an Executive MBA in Finance from Insper – Instituto de Ensino e Pesquisa, an MBA in Controllership from Faculdade de Economia, Administração e Contabilidade da Universidade de São Paulo (FEA/USP), and advanced executive education from Fundação Dom Cabral and IESE Business School – University of Navarra.

Joaquim Kiyoshi Kavakama

Alternate Member

Alternate Member of the Fiscal Council of Banco Bradesco S.A. He has a well-established professional career spanning over 40 years, with significant experience in technology, governance, regulation, and financial system infrastructure, having held executive and board positions in key organizations within the sector.

He began his career at Itautec Informática, where he developed a strong technical foundation in hardware, software, firmware, and networking, while also taking on strategic pre- and post-sales roles. He later joined NCR Brasil (formerly AT&T Global Information Solutions), where he held leadership positions culminating in his role as Officer of Professional Services, leading a restructuring of the area with a focus on consulting, complex projects, and integrated solutions for the banking and retail sectors.

Between 1997 and 2002, he served as COO and CEO of GTech Brasil, where he led the implementation of Caixa Econômica Federal’s online lottery system—one of the largest technology projects in the country at the time—along with the deployment of corporate systems and key initiatives for the financial market. In 2002, he joined Câmara Interbancária de Pagamentos (CIP), initially as Chief Technology Officer (CTO) and, from 2006 onward, as CEO, where he was responsible for the implementation and evolution of critical systems within the Brazilian Payment System, including TED, DOC, and boletos.

As head of CIP until 2022, he led its consolidation as a strategic infrastructure for the Brazilian financial market, driving significant growth in scale, operational efficiency, and institutional engagement with the Central Bank and industry entities. Following the transition to Núclea, he has been serving as an advisor and member of governance and oversight bodies, as well as coordinating an interoperability working group under the Central Bank.

Graduated in Electrical Engineering, with a concentration in Electronics, from Escola Politécnica da Universidade de São Paulo (USP), he holds an MBA from FIA/USP, in partnership with Vanderbilt, Cambridge, and Lyon Universities.

Vicente Carmo Santo

Alternate Member

Alternate Member of the Fiscal Council of Banco Bradesco S.A. since March 2026, following his tenure as an Effective Member since March 2023. He has a solid track record in corporate governance, risk management, liquidity, and capital management, with previous experience serving on fiscal councils of companies within the Bradesco Group and other relevant financial market institutions. His performance is marked by strong technical expertise, a systemic perspective, and alignment with best regulatory and governance practices.

He began his career in 1976 at Banco BCN S.A., an institution later acquired by Banco Bradesco S.A. In 1999, he joined the then newly created Risk Management Department, where he played a key role in Market Risk activities, including model development, daily Value at Risk (VaR) calculations, stress testing, risk policies, and the assessment of impacts on the conglomerate’s balance sheet and liquidity, maintaining close interaction with Treasury, Controllership, and Accounting. From 2001 onward, he worked in the Treasury and Funding Operational Control Department (currently the Business Operations Department), taking on strategic responsibilities related to Asset and Liability Management (ALM), P&L monitoring, trader exposure, and daily liquidity assessment. In December 2007, he was promoted to Executive Superintendent, a role he held until April 2020. Between 2013 and 2020, he also worked in the Planning, Budget, and Control Department (Controllership), with a focus on capital projection and monitoring, in coordination with the Risk area, supporting decision-making by the Executive Board and the Board of Directors.

Graduated in Foreign Trade from Universidade Paulista (UNIP), he holds an MBA in Project Management from Fundação Getulio Vargas (FGV). He has further enhanced his academic background with the Pre-AMP Preparation Program and the Advanced Management Program (AMP) at The Wharton School – University of Pennsylvania, as well as the PMD Bradesco – Program for Management Development at IESE Business School – University of Navarra. He is a Certified Fiscal Council Member by the Instituto Brasileiro de Governança Corporativa (IBGC) and an associated member of the institution.

Rogério Pedro Câmara

Coordinator

Member of the Board of Directors since November 2024 and elected Chair of the Audit Committee in 2026. He was Executive Vice President of Banco Bradesco S.A. between 2021 and 2024. He is also a member of the Board of Directors of Bradesco Seguros Group companies and Alelo and Veloe companies, in addition to coordinating the Audit Committee of Bradesco Saúde.

He began his career at Bradesco in a bank branch in June 1983, subsequently developing his knowledge of risks and controls while working in and leading the Internal Audit area and, later, heading up the Technology areas.

He holds a degree in Business Administration from Universidade Paulista (UNIP), a Lato Sensu postgraduate degree (MBA) with a specialization in Knowledge, Technology, and Innovation from Fundação Instituto de Administração (FIA), and another MBA in Controllership from Fundação Instituto de Pesquisas Contábeis, Actuarial and Financial Sciences at the University of São Paulo (FIPECAFI/USP), International module – MBA in Knowledge, Innovation and Technology from Bentley College – Waltham Massachusetts – USA, in addition to the Advanced Management Program from Fundação Dom Cabral (FDC) and the Advanced Management Program – IESE Business School from the University of Navarra, São Paulo, SP. He completed the course “Board Members” from Instituto Brasileiro de Governança Corporativa (IBGC).

He developed his skills and experience through participation in international programs, such as: “Changing the Game: Negotiation and Competitive Decision Making” from Harvard Business School; “Customer-Focused Innovation Program” and “Leading Change and Organizational Renewal Program” from Stanford University Graduate School of Business; “Making Strategy Work: Leading Effective Execution” and “Strategic Thinking and Management for Competitive Advantage Program” from The Wharton School; “The Leadership at the Peak Program” from Center for Creative Leadership; and “Advanced Strategy Program: Building and Implementing Growth Strategies,” “High Performance Leadership,” and “The Executive Development Program” from University of Chicago Booth School of Business, all in the United States of America.

Amaro Luiz de Oliveira Gomes

Financial Specialist

Qualified Member of the Audit Committee of Banco Bradesco S.A. An executive with a solid career in auditing, regulation, and accounting, he began his professional career in 1986 at PricewaterhouseCoopers Auditores Independentes, where he specialized in the audit of financial institutions. In 1992, he joined Banco Central do Brasil, becoming part of the Financial System Regulation Department (Denor), where he served as Department Head from 2004 to 2009, with responsibility for the prudential regulation applicable to supervised institutions, including the adoption of international recommendations issued by the Basel Committee and international accounting and independent auditing standards.

Between 2009 and 2019, he served at the International Accounting Standards Board (IASB) as a Board Member, with responsibility for the technical assessment of improvements to the standards and for monitoring and supporting the implementation process of the International Financial Reporting Standards (IFRS) in Latin America, playing an active and direct role in their adoption. During this period, he participated in discussions and exchanges with government authorities, regulators, investors, companies, auditors, accounting professionals, academic institutions, and other stakeholders.

From January 2020 to February 2021, he served as State Secretary for the Coordination and Governance of Federal State-Owned Enterprises (Sest). In March 2021, he became a Member of the Audit Committee of Banco Bradesco S.A., and since May 2021, he has been serving as a Qualified Member of this Committee.

He holds a degree in Accounting Sciences from Universidade de Brasília (UnB), a specialization in Accounting, Costs, and Auditing from Fundação Getúlio Vargas (FGV – Núcleo de Brasília), and a Master’s degree in Accounting and Finance from Lancaster University (UK).

Antonio José da Barbara

Member

Member of the Audit Committee of Banco Bradesco S.A. An executive with a long and solid career at the institution, which began in June 1984. In May 2009, he was elected Officer, responsible for the General Secretariat, and in December of the same year assumed the role of Departmental Officer. In January 2019, he was promoted to Deputy Executive Officer and, in January 2022, to Managing Executive Officer, a position he held until February 2024. In February 2025, he was elected Member of the Audit Committee, a statutory advisory body to the Board of Directors.

Throughout his career, he has accumulated extensive experience in boards, committees, and senior leadership roles, having served as a Member of the Governing Board of Fundação Bradesco. He served as Managing Officer of Banco Bradesco BBI S.A., Banco Bradescard S.A., and Banco Bradesco Cartões S.A., as well as Managing Officer and Investor Relations Officer of Bradesco Leasing S.A. – Arrendamento Mercantil. He also served as Officer of Banco Digio S.A. and NCD Participações Ltda.

He additionally served as a Full Member of the Board of Directors of RCB Investimentos S.A., a Full Member of the Fiscal Council of Top Clube Bradesco, Segurança, Educação e Assistência Social, and of Bradespar S.A., as well as an Alternate Member of the Fiscal Council of Boavista Prev – Fundo de Pensão Multipatrocinado, Vale S.A., and Cielo S.A. – Instituição de Pagamento.

He holds a degree in Business Administration from Centro Universitário Anhanguera de São Paulo (Ibero Americano), a Lato Sensu postgraduate degree in Financial Administration from Fundação Escola de Comércio Álvares Penteado (FECAP), and is a Certified Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Alexandre da Silva Glüher

Coordinator

Vice Chairman of the Board of Directors of Banco Bradesco S.A. He began his career in 1976 as a bookkeeper. Since then, he has dedicated his professional life to the Bank, becoming Vice President of the Executive Board in 2014 and of the Board of Directors in 2022.

He has extensive knowledge of banking products and services, resulting from his long experience in the branch network, where he worked for almost 30 years, four of which as Regional Director. He coordinated the Audit Committee of Banco Bradesco, S.A. for over four years. He has experience in Risk Management due to his work in areas such as: Integrated Risk Control, Internal Controls and Compliance, Auditing, Corporate Security, Legal, and Ombudsman. In addition, he was a member of the Banking Self-Regulation Council of the Brazilian Federation of Banks (FEBRABAN) and Vice President, President, and Effective Member of the Advisory Board of the Credit Guarantee Fund (FGC). He was also Chairman of the Board of Directors of CIP S.A. (Nuclea), factors that demonstrate his extensive knowledge and consolidate his experience. He is currently Chairman of the Board of Directors of Bradesco Bank (Florida, USA), Vice-Chairman of the Board of Directors of Bradespar S.A. and Bradesco Leasing S.A., and a member of the Board of Directors of several companies in the Bradesco Seguros Group.

Graduated in Accounting from Universidade Federal do Rio Grande do Sul and Business Administration from Universidade Luterana do Brasil (ULBRA), he participated in the International Executive Program (Advanced Management Program) at The Wharton School – University of Pennsylvania, USA; Financial Institutions Management (Banking) and has a specialization in Retail for Low-Income Segments and Credit Risk Management – Portfolio Vision, from the Fundação Getúlio Vargas (FGV) – São Paulo School of Business Administration; IBGC AI Leadership Program at The Wharton School – University of Pennsylvania, USA and is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Mauricio Machado de Minas

Member

Member of the Board of Directors of Banco Bradesco S.A., having joined the Executive Board in 2009. In 2014, he was elected Vice President, and in 2018, he also became a member of the Board of Directors. In 2019, he became solely a member of the Board of Directors. In addition, he holds various management positions in Bradesco’s parent companies. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A., Odontoprev S.A. and Bradsaúde S.A.

Information Technology professional with extensive experience in Risk Management. From 2014 to 2020, he was a member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he has been Coordinator of the Bradesco Risk Committee and Member of the Risk and Finance Committee (CRIF) of B3 S.A. – Brasil, Bolsa e Balcão. He has been recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected person in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills.

Graduated in Electrical Engineering from Escola Politécnica da Universidade de São Paulo (Poli/USP), he has a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, university extension course in Finance from Wharton Business School – Pennsylvania, USA, participated in Executive Development programs at Columbia University – New York, USA, and for Corporate Directors of Boards of Directors at Harvard Business School, Boston, USA.

Fabio Augusto Iwasaki

Non-Administrative Member

Member of the Bradesco Remuneration Committee since 2019. A professional with 27 years of experience in Human Resources, with a well-established career in Compensation, Benefits, Labor/Union Relations, Career and Performance Management, having worked in multinational companies in the automotive and financial sectors.

He currently holds the position of Superintendent in the Compensation and Benefits area at Bradesco, where he has worked since 2016, having previously served as HR Reward Consultant and HR Reward Manager. He is also a member of several Compensation Committees, including companies such as TecBan and Tivio Capital. His prior experience includes senior roles at HSBC and Volkswagen do Brasil, consolidating a strong background in strategic people management, negotiation, labor relations, compensation, and benefits.

He holds a degree in Business Administration and a postgraduate degree in Management Development from FAE Centro Universitário.

Alexandre da Silva Glüher

Coordinator

Vice Chairman of the Board of Directors of Banco Bradesco S.A. He began his career in 1976 as a bookkeeper. Since then, he has dedicated his professional life to the Bank, becoming Vice President of the Executive Board in 2014 and of the Board of Directors in 2022.

He has extensive knowledge of banking products and services, resulting from his long experience in the branch network, where he worked for almost 30 years, four of which as Regional Director. He coordinated the Audit Committee of Banco Bradesco, S.A. for over four years. He has experience in Risk Management due to his work in areas such as: Integrated Risk Control, Internal Controls and Compliance, Auditing, Corporate Security, Legal, and Ombudsman. In addition, he was a member of the Banking Self-Regulation Council of the Brazilian Federation of Banks (FEBRABAN) and Vice President, President, and Effective Member of the Advisory Board of the Credit Guarantee Fund (FGC). He was also Chairman of the Board of Directors of CIP S.A. (Nuclea), factors that demonstrate his extensive knowledge and consolidate his experience. He is currently Chairman of the Board of Directors of Bradesco Bank (Florida, USA), Vice-Chairman of the Board of Directors of Bradespar S.A. and Bradesco Leasing S.A., and a member of the Board of Directors of several companies in the Bradesco Seguros Group.

Graduated in Accounting from Universidade Federal do Rio Grande do Sul and Business Administration from Universidade Luterana do Brasil (ULBRA), he participated in the International Executive Program (Advanced Management Program) at The Wharton School – University of Pennsylvania, USA; Financial Institutions Management (Banking) and has a specialization in Retail for Low-Income Segments and Credit Risk Management – Portfolio Vision, from the Fundação Getúlio Vargas (FGV) – São Paulo School of Business Administration; IBGC AI Leadership Program at The Wharton School – University of Pennsylvania, USA and is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Maurício Machado de Minas

Member

Member of the Board of Directors of Banco Bradesco S.A., having joined the Executive Board in 2009. In 2014, he was elected Vice President, and in 2018, he also became a member of the Board of Directors. In 2019, he became solely a member of the Board of Directors. In addition, he holds various management positions in Bradesco’s parent companies. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A., Odontoprev S.A. and Bradsaúde S.A.

Information Technology professional with extensive experience in Risk Management. From 2014 to 2020, he was a member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he has been Coordinator of the Bradesco Risk Committee and Member of the Risk and Finance Committee (CRIF) of B3 S.A. – Brasil, Bolsa e Balcão. He has been recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected person in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills.

Graduated in Electrical Engineering from Escola Politécnica da Universidade de São Paulo (Poli/USP), he has a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, university extension course in Finance from Wharton Business School – Pennsylvania, USA, participated in Executive Development programs at Columbia University – New York, USA, and for Corporate Directors of Boards of Directors at Harvard Business School, Boston, USA.

Rubens Aguiar Alvarez

Member

Member of the Board of Directors of Banco Bradesco S.A. since 2021, in addition to holding management positions in the Bank’s controlling companies, as: Cidade de Deus – Companhia Comercial de Participações, NCD Participações Ltda. and Fundação Bradesco.

He is a partner and administrator in family businesses in the real estate and agricultural segments.

He holds a degree in Economics from Centro Universitário das Faculdades Metropolitanas Unidas (FMU), and a Higher Education course in Specific Training in Event Organization and Management from Universidade Anhembi Morumbi (UAM) and Food & Beverage Operations from IHTTI School of Hotel Management Neuchâtel Switzerland (Switzerland). He also participated in the international course Leading from the Chair from European Institute of Business Administration (INSEAD) and he is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Rogério Pedro Câmara

Member

Member of the Board of Directors since November 2024 and elected Chair of the Audit Committee in 2026. He was Executive Vice President of Banco Bradesco S.A. between 2021 and 2024. He is also a member of the Board of Directors of Bradesco Seguros Group companies and Alelo and Veloe companies, in addition to coordinating the Audit Committee of Bradesco Saúde.

He began his career at Bradesco in a bank branch in June 1983, subsequently developing his knowledge of risks and controls while working in and leading the Internal Audit area and, later, heading up the Technology areas.

He holds a degree in Business Administration from Universidade Paulista (UNIP), a Lato Sensu postgraduate degree (MBA) with a specialization in Knowledge, Technology, and Innovation from Fundação Instituto de Administração (FIA), and another MBA in Controllership from Fundação Instituto de Pesquisas Contábeis, Actuarial and Financial Sciences at the University of São Paulo (FIPECAFI/USP), International module – MBA in Knowledge, Innovation and Technology from Bentley College – Waltham Massachusetts – USA, in addition to the Advanced Management Program from Fundação Dom Cabral (FDC) and the Advanced Management Program – IESE Business School from the University of Navarra, São Paulo, SP. He completed the course “Board Members” from Instituto Brasileiro de Governança Corporativa (IBGC).

He developed his skills and experience through participation in international programs, such as: “Changing the Game: Negotiation and Competitive Decision Making” from Harvard Business School; “Customer-Focused Innovation Program” and “Leading Change and Organizational Renewal Program” from Stanford University Graduate School of Business; “Making Strategy Work: Leading Effective Execution” and “Strategic Thinking and Management for Competitive Advantage Program” from The Wharton School; “The Leadership at the Peak Program” from Center for Creative Leadership; and “Advanced Strategy Program: Building and Implementing Growth Strategies,” “High Performance Leadership,” and “The Executive Development Program” from University of Chicago Booth School of Business, all in the United States of America.

Ivan Luiz Gontijo Júnior

Member

Member of the Board of Directors of Banco Bradesco S.A. since March 2026. He joined the Bradesco Seguros Group in 1985 and, in 1998, was elected Legal Officer of the Insurance Group. He currently holds the position of Chief Executive Officer of Bradseg Participações S.A., Bradesco Seguros S.A., Bradseg Promotora de Vendas S.A., Bradesco SegPrev Investimentos Ltda., BSP Affinity Ltda., and Bradesco Gestão de Saúde S.A.

He is also Vice Chairman of the Board of Directors of Odontoprev S.A., as well as a full member of Bradesco Vida e Previdência S.A., Bradesco Capitalização S.A., Bradesco Auto/RE Companhia de Seguros, BSP Empreendimentos Imobiliários S.A., Fleury S.A., Pacífico Imobiliária Hospitalar S.A., Pacífico Operações Hospitalares S.A., and Companhia Brasileira de Gestão de Serviços (Orizon). He serves as 1^st Vice Chairman of the Board of Directors and member of the Conselho de Gestão da Confederação Nacional das Seguradoras (CNSEG), the CEO Committee of AMCHAM Brasil/SP, and as a member of the Board of Directors of the Federação Nacional das Empresas de Seguros (FENASEG).

He holds a law degree from Universidade Católica de Petrópolis and was a professor of commercial law at the Universidade Católica de Petrópolis and insurance law at the Faculdade de Direito Cândido Mendes.

Paulo Rogério Caffarelli

Independent Member of the Board of Directors since March 2026. He is an executive with over 30 years of experience in the financial, industrial, payments, and public service sectors, with expertise in leading large organizations, digital and cultural transformation, corporate management, and strategic business development. His career includes prominent positions such as President of Banco do Brasil, President of Cielo, and President of Banco BBC Digital (SIMPAR Group), where he led operational restructuring, technological acceleration, and profitability expansion processes. Throughout his career, he has led decisive movements for growth, competitiveness recovery, and strategic repositioning of institutions of great national importance.

Before these positions, he worked at the Ministry of Finance as Executive Secretary, coordinated interministerial agendas, and structured programs with national impact, such as the support package for the electricity sector. At Banco do Brasil, he held several leadership positions, including Vice President of Wholesale, International, Private Banking, Capital Markets, and Vice President of Retail, with significant results in credit portfolios, international business, security, and investments. He was also Officer of Retail Business, Marketing, and Logistics. He has solid corporate experience at CSN, where he headed strategic areas such as Finance, Investor Relations, Legal, People, and Supplies, in addition to lead negotiations in the mining sector.

His academic background includes a master’s degree in economics from Universidade de Brasília, an MBA in Corporate Law and Finance from Fundação Getúlio Vargas (FGV), a Law degree from Pontifícia Universidade Católica do Paraná (PUC-PR), specializations in foreign trade and international law, as well as executive programs at institutions such as Harvard Business School and MIT Sloan. With extensive experience in corporate governance, he has served for over two decades on the boards of directors of large companies such as Suzano, Vale, Banco do Brasil, Brasilprev, IRB Brasil, among others, and is certified as a board member from BGC. His work on boards and committees demonstrates a strong commitment to governance, sustainability, and long-term value creation.

Marcelo de Araújo Noronha

Member

Chief Executive Officer (CEO) of Banco Bradesco S.A. since November 2023, noted for his professional experience, acquired over more than 38 years in the financial market, 20 of which were dedicated to the Bradesco Organization, where he worked in the areas of Cards, Wholesale, Marketing, and Retail.

At Bradesco, he held various leadership positions throughout his career, including vice presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International, and Foreign Exchange. He was also responsible for Bradesco Cartões and affiliated payment and payment institution companies, including positions on the Boards of Directors of companies such as Alelo Instituição de Pagamento S.A. and Cielo S.A. – Instituição de Pagamento. In 2026, he was appointed a Member of the Board of Directors and the Advisory Board of Federação Brasileira de Bancos (FEBRABAN), and elected Chair of the Council of Representatives of Confederação Nacional das Instituições Financeiras (FIN).

His management style is results-oriented and focused on the continuous pursuit of innovation. He has been recognized for his ability to lead complex projects and for his strategic vision, which has helped strengthen Bradesco’s position in the financial market.

He holds a degree in Business Administration from Universidade Federal de Pernambuco (UFPE), with a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), in Financial Institutions Management (Banking) from Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas (EAESP – FGV), and an Advanced Management Program (AMP) from IESE – Instituto de Estudios Empresariales of Universidade de Navarra in Barcelona. He is a certified advisor by Instituto Brasileiro de Governança Corporativa (IBGC).

Cassiano Ricardo Scarpelli

Member

Vice President of Banco Bradesco S.A., where he began his career in 1984 as a messenger. Since then, he has dedicated his professional life to the Bank, being elected Officer in 2007, Deputy Executive Officer in 2015, and Vice President in 2018, a position he still holds today.

He has consolidated his career in areas such as: Capital Markets, Budgeting and Control, Shares and Custody, Treasury, and Prime. He currently holds the position of CFO (Chief Financial Officer) of the Organization, responsible for the Financial Planning and Controllership and Market Relations structure; and concurrently, he acts as CTO (Chief Transformation Officer), responsible for leading the Operational Transformation Office of Banco Bradesco and CIO (Chief Information Officer) on an interim basis.

Graduated in Economics from Faculdade de Ciências Econômicas e Administrativas de Osasco (FEAO), he complemented his education with the International Executive Program at Queen’s School of Business – Queen’s Executive Program, in Ontario, Canada.

José Ramos Rocha Neto

Member

Vice President of Banco Bradesco S.A. since December 2022, with experience gained at Banco Bilbao Vizcaya in the areas of Trade Finance, Business Development, and Middle Market Platform. He joined Bradesco in 2003, where his solid track record and expertise in Loans and Financing, in addition to his experience in the Operations, Cash Management, and Investments areas, led him to the position of Vice President.

He holds the position of Vice Chairman of the Board of Directors of Cielo S.A. – Instituição de Pagamento and Chairman of the Board of Directors of Banco John Deere S.A, in addition to other positions on the Boards of Directors of companies, including Cielo S.A. – Payment Institution, Alelo Payment Institution S.A., Elo Participações LTDA, Elo Serviços S.A. and Livelo S.A. He was Chairman of the Board of Directors of ABECIP – Associação Brasileira das Entidades de Crédito Imobiliário e Poupança, Vice-Chairman of the Executive Board of FEBRABAN – Federação Brasileira de Bancos, Titular Advisor to the Council of Representatives of CNF – Confederação Nacional das Instituições Financeiras, President of the Distribution Forum of ANBIMA – Associação Brasileira das Entidades dos Mercados Financeiro e de Capitais and Alternate Member of the Board of Directors of CIBRASEC – Companhia Brasileira de Securitização.

He holds a degree in Economics from Universidade Federal de Pernambuco (UFPE) and a postgraduate degree in Business Administration CEAG from Fundação Getúlio Vargas Escola de Administração de Empresas de São Paulo (FGV – EAESP). He has also participated in several international executive programs at renowned institutions, including those offered by the Wharton School of the University of Pennsylvania, Authentic Leadership Development by Harvard Business School, the Corporate Management III Program from IESE Business School at the University of Navarra (Spain), the Leadership at the Peak Program by the Center for Creative Leadership, and Excellence in Leadership by Stanford University School of Business. He has also participated in important leadership and executive development programs, including: the Integrative Leadership Program at Desenvolvimento e Educação and Programa de Desenvolvimento (PDE) at Fundação Dom Cabral (FDC).

Vinicius Urias Favarão

Member

Executive Officer at Banco Bradesco S.A. since March 2024, also serving as Chief Risk Officer and Chief of Staff. Responsible for the areas of Compliance and Non‑Financial Risk Management, Corporate Strategy, Regulatory Strategy and Interface, Financial Risk Management, Corporate Risk Management, Ombudsman’s Office, Corporate Governance, Corporate Security, and Bradesco Holding de Investimentos.

With over 30 years of experience in the financial market, he worked in corporate client management, in the direct consumer credit, cards and payment methods segment. He was responsible for the operation of the American Express Establishment Network in Brazil after its acquisition by Bradesco, and was Product Officer at Bradesco Cartões, managing the Visa, Elo, Mastercard and Amex portfolios. He took over Bradesco Promotora in 2013 and, in 2017, became head of operations at Bradesco Cartões. In early 2021, he took over the operation of Bradesco Financiamentos, an operation focused on financing for the acquisition of light and heavy vehicles. He serves on the Boards of Directors, Executive Boards and Committees of companies such as Cielo S.A., Alelo S.A. Livelo S.A and Elo Serviços.

Graduated in Business Administration from Universidade Paulista (UNIP), with a “Lato Sensu” Postgraduate Degree – Executive MBA in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), “Lato Sensu” Postgraduate Degree – Executive MBA with Emphasis in “General Management” from Instituto Brasileiro de Mercado de Capitais (IBMEC), MBA in Administration and Retail Business from the Fundação Instituto de Administração (FIA), AMD (Advanced Management Program) Bradesco from ISE Business School, CCA+ Professional Advisor Certification from Instituto Brasileiro de Governança Corporativa (IBGC) and AMD (Advanced Management Program) from Harvard Business School.

Silvana Rosa Machado

Member

Executive Officer of Banco Bradesco S.A., since April 2024, also assuming the position of Chief Human Resources Officer (CHRO). Responsible for the areas of People, Culture & Performance and Sustainability areas, she has expertise in strategic projects in the financial services segment and human capital management, having worked in renowned companies such as: Booz-Allen Hamilton Inc., Kearney Consultoria de Gestão Empresarial Ltda., Banco ABN Amro Real S.A., Banco Santander (Brasil) S.A., Egon Zehnder International Ltda. and Advent International Ltda.

Executive with more than 35 years of professional experience in multinational consulting and financial institutions, she is recognized for her strategic vision and in-depth knowledge of the financial market. She has experience in leading organizational transformations and stands out as an agent of change. Her personal resilience, ability to mobilize and competence in serving clients are valued qualities.

She has a degree in production engineering from the Escola Politécnica da Universidade de São Paulo (Poli-USP) and an MBA from the Universidade de Chicago. She is also certified as a coach by the Instituto Ecosocial and has a postgraduate in psychoanalysis from the Fundação Armando Alvares Penteado (FAAP). She is also certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Júlio Cesar Bueno

Member

Chief Legal Officer (CLO) and Executive Officer at Banco Bradesco S.A., Júlio César Bueno is responsible for the Legal, Governance, Institutional and Government Relations areas, being the interface between the institution, public authorities, regulators, and other strategic stakeholders.

He has 35 years of national and international experience in complex litigation. Before joining Bradesco, he built his professional career at Pinheiro Neto Advogados, where he started as an intern in 1989 and became Partner and Head of the Litigation practice. Throughout his career, he has led legal strategies in complex disputes, arbitration, mediation, and contracts involving infrastructure and the public sector, in addition to working on regulatory compliance, corporate governance, banking law, and consumer law.

At the institutional and industry level, he has held relevant positions in national and international organizations, being President of the Executive Board of the Dispute Resolution Board Foundation (DRBF), Co-chair of the International Construction Projects Committee (ICP), Vice-Chair of the Latin American & Caribbean Users’ Council of the London Court of International Arbitration (LCIA), as well as Fellow of the Chartered Institute of Arbitrators (FCIArb) and the International Academy of Construction Lawyers (FIACL).

He is Vice President of FEBRABAN – Federação Brasileira de Bancos.

He holds a Law degree from Universidade de São Paulo (USP), a Ph.D. in Civil Procedure Law from USP, and a Master of Laws (LL.M.) from the University of Cambridge, United Kingdom.

Clayton Neves Xavier

Member

Officer of Banco Bradesco S.A., since March 2026, responsible for the area of Compliance and Non-Financial Risk Management. He has extensive professional experience, built over a trajectory fully dedicated to the Bradesco Organization, with operations in the areas of risk control, compliance, business continuity, analytics, technology and corporate security.

At Bradesco, he has led relevant projects throughout his career, including structuring the areas of Market Risk and Liquidity, Regulatory Service and Compliance, Data Intelligence, as well as implementing the General Data Protection Law (LGPD) and Open Finance.

Graduated in Economic Sciences from the Pontifícia Universidade Católica de São Paulo (PUC/SP), he holds an Executive MBA in Finance from the Brazilian Institute of Capital Market (IBMEC), with a degree in Economics from Institute of Education and Research (INSPER). He complemented his training with the Program for Management Development (PMD) by ISE Business School and the Immersion Program “Decisions 4.0” from IESE Business School – University of Navarra and ISE Business School.

Luiz Carlos Trabuco Cappi

Coordinator

Chairman of the Board of Directors of Banco Bradesco S.A. He began his career at Bradesco at the age of 17 as a bookkeeper. Over more than four decades, he has held various leadership positions, including Marketing Officer, Chief Executive Officer of Bradesco Vida e Previdência, and CEO of Bradesco Seguros. In 2009, he was appointed Chief Executive Officer (CEO) of Banco Bradesco, a position he held until 2018, when he became Chairman of the Board of Directors. In addition to Banco Bradesco S.A., he currently holds interests in companies within the Conglomerate, serving on Boards of Directors and Executive Boards.

His tenure at Bradesco was marked by major acquisitions, such as HSBC Brasil in 2015. He was recognized as one of the 100 most influential Brazilians and listed among the best CEOs in Brazil by Forbes magazine.

In addition to his work at Bradesco, he has a significant presence in various areas of the financial sector. He was named Entrepreneur of the Year in the finance category by Isto É Dinheiro magazine and continues to influence the Brazilian financial market with his strategic vision and solid leadership. He was President of the National Fundraising and Marketing Commission of Associação Brasileira das Entidades de Crédito Imobiliário e Poupança (ABECIP), President of Federação Nacional de Saúde Suplementar (FENASAÚDE), President of the Council of Representatives and Executive Board of Confederação Nacional das Instituições Financeiras (CNF), Member of the Superior Council and Vice President Confederação Nacional das Empresas de Seguros Gerais, Previdência Privada e Vida, Saúde Suplementar e Capitalização (CNSeg), Chairman of the Board of Directors and Advisory Board of FEBRABAN – Federação Brasileira de Bancos, Member of the Board of Directors of Associação Brasileira das Companhias Abertas (ABRASCA), Member of Conselho de Desenvolvimento Econômico e Social da Presidência da República (CDES), Member da Comissão de Assuntos Internacionais da SUSEP – Superintendence of Private Insurance.

Graduated in Philosophy and postgraduate degree in Socio-Psychology from Fundação Escola de Sociologia e Política de São Paulo (FESPSP).

Alexandre da Silva Glüher

Member

Vice Chairman of the Board of Directors of Banco Bradesco S.A. He began his career in 1976 as a bookkeeper. Since then, he has dedicated his professional life to the Bank, becoming Vice President of the Executive Board in 2014 and of the Board of Directors in 2022.

He has extensive knowledge of banking products and services, resulting from his long experience in the branch network, where he worked for almost 30 years, four of which as Regional Director. He coordinated the Audit Committee of Banco Bradesco, S.A. for over four years. He has experience in Risk Management due to his work in areas such as: Integrated Risk Control, Internal Controls and Compliance, Auditing, Corporate Security, Legal, and Ombudsman. In addition, he was a member of the Banking Self-Regulation Council of the Brazilian Federation of Banks (FEBRABAN) and Vice President, President, and Effective Member of the Advisory Board of the Credit Guarantee Fund (FGC). He was also Chairman of the Board of Directors of CIP S.A. (Nuclea), factors that demonstrate his extensive knowledge and consolidate his experience. He is currently Chairman of the Board of Directors of Bradesco Bank (Florida, USA), Vice-Chairman of the Board of Directors of Bradespar S.A. and Bradesco Leasing S.A., and a member of the Board of Directors of several companies in the Bradesco Seguros Group.

Graduated in Accounting from Universidade Federal do Rio Grande do Sul and Business Administration from Universidade Luterana do Brasil (ULBRA), he participated in the International Executive Program (Advanced Management Program) at The Wharton School – University of Pennsylvania, USA; Financial Institutions Management (Banking) and has a specialization in Retail for Low-Income Segments and Credit Risk Management – Portfolio Vision, from the Fundação Getúlio Vargas (FGV) – São Paulo School of Business Administration; IBGC AI Leadership Program at The Wharton School – University of Pennsylvania, USA and is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Mauricio Machado de Minas

Member

Member of the Board of Directors of Banco Bradesco S.A., having joined the Executive Board in 2009. In 2014, he was elected Vice President, and in 2018, he also became a member of the Board of Directors. In 2019, he became solely a member of the Board of Directors. In addition, he holds various management positions in Bradesco’s parent companies. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A., Odontoprev S.A. and Bradsaúde S.A.

Information Technology professional with extensive experience in Risk Management. From 2014 to 2020, he was a member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he has been Coordinator of the Bradesco Risk Committee and Member of the Risk and Finance Committee (CRIF) of B3 S.A. – Brasil, Bolsa e Balcão. He has been recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected person in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills.

Graduated in Electrical Engineering from Escola Politécnica da Universidade de São Paulo (Poli/USP), he has a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, university extension course in Finance from Wharton Business School – Pennsylvania, USA, participated in Executive Development programs at Columbia University – New York, USA, and for Corporate Directors of Boards of Directors at Harvard Business School, Boston, USA.

Ivan Luiz Gontijo Júnior

Member

Member of the Board of Directors of Banco Bradesco S.A. since March 2026. He joined the Bradesco Seguros Group in 1985 and, in 1998, was elected Legal Officer of the Insurance Group. He currently holds the position of Chief Executive Officer of Bradseg Participações S.A., Bradesco Seguros S.A., Bradseg Promotora de Vendas S.A., Bradesco SegPrev Investimentos Ltda., BSP Affinity Ltda., and Bradesco Gestão de Saúde S.A.

He is also Vice Chairman of the Board of Directors of Odontoprev S.A., as well as a full member of Bradesco Vida e Previdência S.A., Bradesco Capitalização S.A., Bradesco Auto/RE Companhia de Seguros, BSP Empreendimentos Imobiliários S.A., Fleury S.A., Pacífico Imobiliária Hospitalar S.A., Pacífico Operações Hospitalares S.A., and Companhia Brasileira de Gestão de Serviços (Orizon). He serves as 1^st Vice Chairman of the Board of Directors and member of the Conselho de Gestão da Confederação Nacional das Seguradoras (CNSEG), the CEO Committee of AMCHAM Brasil/SP, and as a member of the Board of Directors of the Federação Nacional das Empresas de Seguros (FENASEG).

He holds a law degree from Universidade Católica de Petrópolis and was a professor of commercial law at the Universidade Católica de Petrópolis and insurance law at the Faculdade de Direito Cândido Mendes.

Marcelo de Araújo Noronha

Member

Chief Executive Officer (CEO) of Banco Bradesco S.A. since November 2023, noted for his professional experience, acquired over more than 38 years in the financial market, 20 of which were dedicated to the Bradesco Organization, where he worked in the areas of Cards, Wholesale, Marketing, and Retail.

At Bradesco, he held various leadership positions throughout his career, including vice presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International, and Foreign Exchange. He was also responsible for Bradesco Cartões and affiliated payment and payment institution companies, including positions on the Boards of Directors of companies such as Alelo Instituição de Pagamento S.A. and Cielo S.A. – Instituição de Pagamento. In 2026, he was appointed a Member of the Board of Directors and the Advisory Board of Federação Brasileira de Bancos (FEBRABAN), and elected Chair of the Council of Representatives of Confederação Nacional das Instituições Financeiras (FIN).

His management style is results-oriented and focused on the continuous pursuit of innovation. He has been recognized for his ability to lead complex projects and for his strategic vision, which has helped strengthen Bradesco’s position in the financial market.

He holds a degree in Business Administration from Universidade Federal de Pernambuco (UFPE), with a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), in Financial Institutions Management (Banking) from Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas (EAESP – FGV), and an Advanced Management Program (AMP) from IESE – Instituto de Estudios Empresariales of Universidade de Navarra in Barcelona. He is a certified advisor by Instituto Brasileiro de Governança Corporativa (IBGC).

Ivan Luiz Gontijo Júnior

Coordinator

Member of the Board of Directors of Banco Bradesco S.A. since March 2026. He joined the Bradesco Seguros Group in 1985 and, in 1998, was elected Legal Officer of the Insurance Group. He currently holds the position of Chief Executive Officer of Bradseg Participações S.A., Bradesco Seguros S.A., Bradseg Promotora de Vendas S.A., Bradesco SegPrev Investimentos Ltda., BSP Affinity Ltda., and Bradesco Gestão de Saúde S.A.

He is also Vice Chairman of the Board of Directors of Odontoprev S.A., as well as a full member of Bradesco Vida e Previdência S.A., Bradesco Capitalização S.A., Bradesco Auto/RE Companhia de Seguros, BSP Empreendimentos Imobiliários S.A., Fleury S.A., Pacífico Imobiliária Hospitalar S.A., Pacífico Operações Hospitalares S.A., and Companhia Brasileira de Gestão de Serviços (Orizon). He serves as 1^st Vice Chairman of the Board of Directors and member of the Conselho de Gestão da Confederação Nacional das Seguradoras (CNSEG), the CEO Committee of AMCHAM Brasil/SP, and as a member of the Board of Directors of the Federação Nacional das Empresas de Seguros (FENASEG).

He holds a law degree from Universidade Católica de Petrópolis and was a professor of commercial law at the Universidade Católica de Petrópolis and insurance law at the Faculdade de Direito Cândido Mendes.

Alexandre da Silva Glüher

Member

Vice Chairman of the Board of Directors of Banco Bradesco S.A. He began his career in 1976 as a bookkeeper. Since then, he has dedicated his professional life to the Bank, becoming Vice President of the Executive Board in 2014 and of the Board of Directors in 2022.

He has extensive knowledge of banking products and services, resulting from his long experience in the branch network, where he worked for almost 30 years, four of which as Regional Director. He coordinated the Audit Committee of Banco Bradesco, S.A. for over four years. He has experience in Risk Management due to his work in areas such as: Integrated Risk Control, Internal Controls and Compliance, Auditing, Corporate Security, Legal, and Ombudsman. In addition, he was a member of the Banking Self-Regulation Council of the Brazilian Federation of Banks (FEBRABAN) and Vice President, President, and Effective Member of the Advisory Board of the Credit Guarantee Fund (FGC). He was also Chairman of the Board of Directors of CIP S.A. (Nuclea), factors that demonstrate his extensive knowledge and consolidate his experience. He is currently Chairman of the Board of Directors of Bradesco Bank (Florida, USA), Vice-Chairman of the Board of Directors of Bradespar S.A. and Bradesco Leasing S.A., and a member of the Board of Directors of several companies in the Bradesco Seguros Group.

Graduated in Accounting from Universidade Federal do Rio Grande do Sul and Business Administration from Universidade Luterana do Brasil (ULBRA), he participated in the International Executive Program (Advanced Management Program) at The Wharton School – University of Pennsylvania, USA; Financial Institutions Management (Banking) and has a specialization in Retail for Low-Income Segments and Credit Risk Management – Portfolio Vision, from the Fundação Getúlio Vargas (FGV) – São Paulo School of Business Administration; IBGC AI Leadership Program at The Wharton School – University of Pennsylvania, USA and is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Denise Aguiar Alvarez

Member

Member of the Board of Directors of Banco Bradesco S.A. since 1990, in addition, she holds management positions in Bradesco’s parent companies, including Cidade de Deus – Companhia Comercial de Participações, NCD Participações Ltda., and Fundação Bradesco. She is noted for her experience in the areas of education and culture, serving as a member of the Board of Directors and Officer of Fundação Bradesco.

With extensive experience in education and culture, her work is marked by significant contributions to the dissemination of the concept of culture, education, and sustainability in Brazil.

Graduated in Pedagogy from Pontifícia Universidade Católica de São Paulo (PUC-SP), Master’s Degree in Education from New York University (NYU), in addition to honors conferred upon her, such as: Fernando de Azevedo Award – “Educator of the Year 2005,” from the Brazilian Academy of Education, the title of “Sustainability Citizen 2015,” awarded by the Academia Brasileira de Marketing (ABRAMARK), in recognition of her relevant and decisive contributions to the dissemination of the concept of sustainability in the country, through the Fundação Bradesco. Member of UNESCO’s High Level Reflection Group since 2020.

Maurício Machado de Minas

Member

Member of the Board of Directors of Banco Bradesco S.A., having joined the Executive Board in 2009. In 2014, he was elected Vice President, and in 2018, he also became a member of the Board of Directors. In 2019, he became solely a member of the Board of Directors. In addition, he holds various management positions in Bradesco’s parent companies. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A., Odontoprev S.A. and Bradsaúde S.A.

Information Technology professional with extensive experience in Risk Management. From 2014 to 2020, he was a member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he has been Coordinator of the Bradesco Risk Committee and Member of the Risk and Finance Committee (CRIF) of B3 S.A. – Brasil, Bolsa e Balcão. He has been recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected person in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills.

Graduated in Electrical Engineering from Escola Politécnica da Universidade de São Paulo (Poli/USP), he has a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, university extension course in Finance from Wharton Business School – Pennsylvania, USA, participated in Executive Development programs at Columbia University – New York, USA, and for Corporate Directors of Boards of Directors at Harvard Business School, Boston, USA.

Denise Pauli Pavarina

Member

Member of the Board of Directors of Banco Bradesco S.A. since March 2022, as well as a member of the Sustainability and Diversity Committees and the Strategy Committee. She also serves as a member of the Board of Directors and Coordinator of the Investment Committee of Solvi Essencis Ambiental S.A., member of the Advisory Board of GFANZ – Global Financial Alliance for Net Zero, member of the Board of Climate Finance Hub Brasil, member of the Ethics Council of ANBIMA – Brazilian Association of Financial and Capital Market Entities, an association of which she was president for four years, Member of the Supervisory Board of Securities Analysts of APIMEC NACIONAL – Association of Professional Investment Analysts of the Capital Market, Member of the Advisory Board of Seneca Evercore Advisors, and Member of the Brazilian Chapter of the WCD Foundation – Women Corporate Directors. He was Vice Chair of the TCFD-FSB – Task Force on Climate-related Financial Disclosures until the closure of that task force. Denise was the President of Anbima for four years and a member of several boards of directors, such as Vale S.A., B3 S.A. – Brasil, Bolsa, Balcão, Cielo S.A. – Payment Institution, among others

Executive with extensive experience in the Organization, acquired throughout her career at Banco Bradesco, where she held executive positions until January 2019, reaching the Executive Board in 2012. Denise has a history of leadership in various organizations, boards, and committees, standing out for her work in investments, governance, and sustainability, while also accumulating solid experience in the areas of capital markets and portfolio management. She was also a director of companies at Banco Nacional de Desenvolvimento Econômico e Social (BNDES) in 2019.

She holds a degree in Economics from Faculdade Armando Álvares Penteado (FAAP) and in Law from Universidade Paulista (UNIP), an Executive MBA in Finance from Instituto de Ensino e Pesquisa (Insper) and has participated in the International Executive Program (AMP – Advanced Management Program) at IESE Business School. She also participated in the international course Leading From the Chair offered from European Institute of Business Administration (INSEAD) and she is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Marcelo de Araújo Noronha

Member

Chief Executive Officer (CEO) of Banco Bradesco S.A. since November 2023, noted for his professional experience, acquired over more than 38 years in the financial market, 20 of which were dedicated to the Bradesco Organization, where he worked in the areas of Cards, Wholesale, Marketing, and Retail.

At Bradesco, he held various leadership positions throughout his career, including vice presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International, and Foreign Exchange. He was also responsible for Bradesco Cartões and affiliated payment and payment institution companies, including positions on the Boards of Directors of companies such as Alelo Instituição de Pagamento S.A. and Cielo S.A. – Instituição de Pagamento. In 2026, he was appointed a Member of the Board of Directors and the Advisory Board of Federação Brasileira de Bancos (FEBRABAN), and elected Chair of the Council of Representatives of Confederação Nacional das Instituições Financeiras (FIN).

His management style is results-oriented and focused on the continuous pursuit of innovation. He has been recognized for his ability to lead complex projects and for his strategic vision, which has helped strengthen Bradesco’s position in the financial market.

He holds a degree in Business Administration from Universidade Federal de Pernambuco (UFPE), with a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), in Financial Institutions Management (Banking) from Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas (EAESP – FGV), and an Advanced Management Program (AMP) from IESE – Instituto de Estudios Empresariales of Universidade de Navarra in Barcelona. He is a certified advisor by Instituto Brasileiro de Governança Corporativa (IBGC).

Bruno D’Ávila Melo Boetger

Member

Executive Vice President of Banco Bradesco S.A. since February 2024. He began his career in 1990 at Citi and Salomon Brothers Inc, where he held positions in New York (USA) and São Paulo (Brazil). In April 2007, he joined the Bradesco Organization through Banco Bradesco BBI as Executive Superintendent, reaching the position of Director in April 2008. In 2011, he became General Manager of the New York Branch (USA).

He brings with him extensive experience in investment banking, acquired throughout his career at renowned financial institutions in Brazil and abroad. His work at Bradesco includes leadership in several strategic areas, mainly in wholesale banking, contributing significantly to the organization’s growth.

He holds a degree in Business Administration from Fundação Getúlio Vargas (FGV) and has participated in international executive programs such as: Advanced Management Program at Harvard University, Senior Executive Program at London Business School, and Master in Business Administration at Cornell University.

Juliano Ribeiro Marcílio

Member

Executive Officer at Banco Bradesco S.A. He began his professional career in 1994 at Citibank Brazil in São Paulo. From 2002 to 2012, he worked at UNIBANCO – União de Bancos Brasileiros S.A., Teleperformance Brazil, and Serasa Experian. In November 2013, he joined HSBC Bank Brasil S.A. – Banco Múltiplo as Head of Human Resources, remaining there until October 2016. Throughout his career, he has held prominent positions in companies in the financial market and credit analysis.

In 2016, he was elected Officer, responsible for Human Resources, and served as HR Director at Bradesco Seguros, Latin America’s largest insurance company in the automotive, residential, health, life, capitalization, and pension segments. In August 2023, he was promoted to Executive Officer.

He holds a degree in Business Administration from Pontifícia Universidade Católica de São Paulo (PUC-SP), with a specialization in Banking & Financial Services Program from the University of Michigan – Executive Business School. He has also participated in important international executive programs, such as: General Management Program at Harvard Business School, General Management Renewal at Harvard Business School in Shanghai, China, and AMP – Advanced Management Program at ISE/IESE – Business School through the University of Navarra.

Silvana Rosa Machado

Member

Executive Officer of Banco Bradesco S.A., since April 2024, also assuming the position of Chief Human Resources Officer (CHRO). Responsible for the areas of People, Culture & Performance and Sustainability areas, she has expertise in strategic projects in the financial services segment and human capital management, having worked in renowned companies such as: Booz-Allen Hamilton Inc., Kearney Consultoria de Gestão Empresarial Ltda., Banco ABN Amro Real S.A., Banco Santander (Brasil) S.A., Egon Zehnder International Ltda. and Advent International Ltda.

Executive with more than 35 years of professional experience in multinational consulting and financial institutions, she is recognized for her strategic vision and in-depth knowledge of the financial market. She has experience in leading organizational transformations and stands out as an agent of change. Her personal resilience, ability to mobilize and competence in serving clients are valued qualities.

She has a degree in production engineering from the Escola Politécnica da Universidade de São Paulo (Poli-USP) and an MBA from the Universidade de Chicago. She is also certified as a coach by the Instituto Ecosocial and has a postgraduate in psychoanalysis from the Fundação Armando Alvares Penteado (FAAP). She is also certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

André Costa Carvalho

Member

Officer of Banco Bradesco S.A., since February 2024, responsible for the area of Market Relations. Previously, he worked as Chief Economist, Equity Strategist and Head of Research and Corporate Access of Bradesco BBI. He joined the Bank after the acquisition of HSBC Bank Brasil S.A. – Banco Múltiplo, in 2016. He is a member of the Fiscal Council of Instituto Apontar and Deputy Officer at NCF Participações S.A.

He is recognized as one of the leading equity strategists and economists in Brazil and Latin America, having been highlighted by the international research Institutional Investor (II/Extel) in all 11 years between 2014 and 2024. Between June 2013 and 2016, he held the position of Senior Vice-President and worked as Head of Equity Strategy for Brazil and Latin America at HSBC. Previously, he was equity strategist, chief economist and member of the Latin American Research Committee at UBS Brazil.

He also served as Managing Partner at Main Street Consultoria, an economic consulting company, and as Officer in the Economics area of Credit Suisse Brasil. Between 1999 and 2004, worked as chief economist and head of the economic advisory of the President of the Federation of Industries of the State of São Paulo (FIESP) and the Center of Industries of the State of São Paulo (CIESP). Previously, he was chief economist at Marka Nikko Asset Management and Fleming Graphus Corretora.

Bachelor and Master in Economics from Pontifícia Universidade Católica do Rio de Janeiro (PUC-RJ). Between 1996 and 1997, he was the professor of Statistics of Economics at PUC-RJ.

Fabiana Costa Tolentino

Member

Member of the Sustainability Committee and Head of Sustainability at Banco Bradesco S.A., she leads the Organization’s ESG strategy, drives the climate opportunities agenda, and promotes the integration of sustainability into the business strategy. With over 20 years of experience in the financial sector, she stands out for her strategic role in structuring sustainable business models and finance, strengthening the ESG regulatory agenda, and advancing the transition to a low-carbon economy, supported by strong institutional engagement and a consistent focus on long-term value creation.

She holds a degree in Economics from Pontifícia Universidade Católica de São Paulo (PUC/SP), an MBA in Economics, Investments, and the Financial Sector from Fundação Instituto de Pesquisas Econômicas (FIPE/USP), and a Master’s degree in Sustainability from Fundação Getúlio Vargas (FGV/SP).

She completed the Advanced ESG Program at Saint Paul Business School and co-author of the book “Negócios Sustentáveis – Integrando Governança, Gestão Ambiental e Responsabilidade Social (Editora Saint Paul)”. Recognized for her strategic leadership, she is a reference in academic, industry, and institutional forums, actively contributing to the advancement of corporate sustainability in Brazil.

Maurício Machado de Minas

Coordinator

Member of the Board of Directors of Banco Bradesco S.A., having joined the Executive Board in 2009. In 2014, he was elected Vice President, and in 2018, he also became a member of the Board of Directors. In 2019, he became solely a member of the Board of Directors. In addition, he holds various management positions in Bradesco’s parent companies. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A., Odontoprev S.A. and Bradsaúde S.A.

Information Technology professional with extensive experience in Risk Management. From 2014 to 2020, he was a member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he has been Coordinator of the Bradesco Risk Committee and Member of the Risk and Finance Committee (CRIF) of B3 S.A. – Brasil, Bolsa e Balcão. He has been recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected person in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills.

Graduated in Electrical Engineering from Escola Politécnica da Universidade de São Paulo (Poli/USP), he has a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, university extension course in Finance from Wharton Business School – Pennsylvania, USA, participated in Executive Development programs at Columbia University – New York, USA, and for Corporate Directors of Boards of Directors at Harvard Business School, Boston, USA.

Paulo Roberto Simões da Cunha

Member

Independent Member of the Board of Directors of Banco Bradesco S.A. since 2021.

He joined Central Bank of Brazil in 1976, in the Inspection Division, and in 1988, he became Head of Division, responsible for the inspection of Financial Institutions in São Paulo, remaining in that agency until 1998. He has accumulated significant experience in Risks. At the Central Bank of Brazil, he had experience in implementing a matrix structure and creating teams of inspectors specialized in IT systems, capital markets, risk management and credit risk analysis for direct inspection. He was also responsible for the preparation of the Supervision Programs, which consider the risks assumed by the Financial System, as well as the particularities of its agents. At KPMG Auditores Independentes, where he was a partner from 1998 to 2004, in the Financial Services area, he worked on the implementation of internal audit consulting services – outsourcing, self-assessment of controls and risks, Compliance diagnosis, Risk Assessment/Management, regulatory affairs and special projects related to controls and risks for the financial industry, in addition to having carried out several works in the areas of Compliance and Risk Management in the main Brazilian Banks. In 2004, he joined the Audit Committee of Bradesco, where he served as a Financial Specialist Member from 2004 to 2009 and, subsequently, from 2014 to 2021, when he was elected Independent Member of the Board of Directors.

Graduated in Accounting and Business Administration from Faculdade de Ciências Econômicas de São Paulo da Fundação Escola de Comércio Álvarez Penteado (FECAP), postgraduate, with specializations in Finance from Fundação Getúlio Vargas (FGV), in Auditing from Fundação Instituto de Pesquisas Contábeis, Atuariais e Financeiras – Universidade de São Paulo (FIPECAFI – USP) and in Economics with Theory and Operation of a Modern National Economy from George Washington University, Washington-DC.

Regina Helena Jorge Nunes

Member

Independent Member of the Board of Directors of Bradesco since March 2026. She is a C-Level executive with over 35 years of experience in the Financial and Capital Markets, with a solid international career in Business Development, Market Expansion, and Risk Management. She has held strategic positions in Brazil, Latin America, the United States, Europe, and Asia, leadership multicultural teams, driving global strategies and promoting sustainable growth, profitability, and corporate governance throughout her career.

As regards her work on Boards of Directors, she has accumulated eight years as an Independent Board Member in companies from a wide range of sectors, including energy, healthcare, payment methods, insurance, infrastructure, and business institutions, in addition to her extensive experience on Audit, Risk, Sustainability, Governance, Finance, and Compensation Committees, where she has served as chair and coordinator. She is currently a member of the Board of Directors and the Audit and Risk Committee of the Spanish energy company Iberdrola (Bilbao, Spain), as well as a member of the Board of Directors and Chair of the Audit and Risk Committee of Atlântica D’Or.

As an executive, she worked for 20 years at S&P Global Ratings, where she led operations in Brazil, Argentina, and Southern Latin America, in addition to performed global functions in emerging market strategy. Since 2018, she has been CEO and co-founder of RNA Capital, a company dedicated to risk management, corporate governance, ESG, and fundraising. Previous to that, she built her career at financial institutions such as Chase Manhattan and Commercial Bank of New York, where she worked in credit, risk, trade finance, corporate banking, structured funding, privatizations, and complex financial projects.

In terms of her academic background, she graduated in Business Administration from Universidade Mackenzie and complemented her education with advanced programs in leadership, finance, and management at New York University, Columbia University, and INSEAD. She is fluent in Portuguese, English and Spanish, and has been recognized by institutions such as Forbes, Valor Econômico, ANEFAC, and IBEF as one of the most influential business leaders in the country, standing out for her capacity for innovation, strategic thinking and significant contribution to strengthening corporate governance and the sustainable development of organizations.

Luiz Carlos Trabuco Cappi

Coordinator

Chairman of the Board of Directors of Banco Bradesco S.A. He began his career at Bradesco at the age of 17 as a bookkeeper. Over more than four decades, he has held various leadership positions, including Marketing Officer, Chief Executive Officer of Bradesco Vida e Previdência, and CEO of Bradesco Seguros. In 2009, he was appointed Chief Executive Officer (CEO) of Banco Bradesco, a position he held until 2018, when he became Chairman of the Board of Directors. In addition to Banco Bradesco S.A., he currently holds interests in companies within the Conglomerate, serving on Boards of Directors and Executive Boards.

His tenure at Bradesco was marked by major acquisitions, such as HSBC Brasil in 2015. He was recognized as one of the 100 most influential Brazilians and listed among the best CEOs in Brazil by Forbes magazine.

In addition to his work at Bradesco, he has a significant presence in various areas of the financial sector. He was named Entrepreneur of the Year in the finance category by Isto É Dinheiro magazine and continues to influence the Brazilian financial market with his strategic vision and solid leadership. He was President of the National Fundraising and Marketing Commission of Associação Brasileira das Entidades de Crédito Imobiliário e Poupança (ABECIP), President of Federação Nacional de Saúde Suplementar (FENASAÚDE), President of the Council of Representatives and Executive Board of Confederação Nacional das Instituições Financeiras (CNF), Member of the Superior Council and Vice President Confederação Nacional das Empresas de Seguros Gerais, Previdência Privada e Vida, Saúde Suplementar e Capitalização (CNSeg), Chairman of the Board of Directors and Advisory Board of FEBRABAN – Federação Brasileira de Bancos, Member of the Board of Directors of Associação Brasileira das Companhias Abertas (ABRASCA), Member of Conselho de Desenvolvimento Econômico e Social da Presidência da República (CDES), Member da Comissão de Assuntos Internacionais da SUSEP – Superintendence of Private Insurance.

Graduated in Philosophy and postgraduate degree in Socio-Psychology from Fundação Escola de Sociologia e Política de São Paulo (FESPSP).

Alexandre da Silva Glüher

Member

Vice Chairman of the Board of Directors of Banco Bradesco S.A. He began his career in 1976 as a bookkeeper. Since then, he has dedicated his professional life to the Bank, becoming Vice President of the Executive Board in 2014 and of the Board of Directors in 2022.

He has extensive knowledge of banking products and services, resulting from his long experience in the branch network, where he worked for almost 30 years, four of which as Regional Director. He coordinated the Audit Committee of Banco Bradesco, S.A. for over four years. He has experience in Risk Management due to his work in areas such as: Integrated Risk Control, Internal Controls and Compliance, Auditing, Corporate Security, Legal, and Ombudsman. In addition, he was a member of the Banking Self-Regulation Council of the Brazilian Federation of Banks (FEBRABAN) and Vice President, President, and Effective Member of the Advisory Board of the Credit Guarantee Fund (FGC). He was also Chairman of the Board of Directors of CIP S.A. (Nuclea), factors that demonstrate his extensive knowledge and consolidate his experience. He is currently Chairman of the Board of Directors of Bradesco Bank (Florida, USA), Vice-Chairman of the Board of Directors of Bradespar S.A. and Bradesco Leasing S.A., and a member of the Board of Directors of several companies in the Bradesco Seguros Group.

Graduated in Accounting from Universidade Federal do Rio Grande do Sul and Business Administration from Universidade Luterana do Brasil (ULBRA), he participated in the International Executive Program (Advanced Management Program) at The Wharton School – University of Pennsylvania, USA; Financial Institutions Management (Banking) and has a specialization in Retail for Low-Income Segments and Credit Risk Management – Portfolio Vision, from the Fundação Getúlio Vargas (FGV) – São Paulo School of Business Administration; IBGC AI Leadership Program at The Wharton School – University of Pennsylvania, USA and is certified as a Board Member from Instituto Brasileiro de Governança Corporativa (IBGC).

Maurício Machado de Minas

Member

Member of the Board of Directors of Banco Bradesco S.A., having joined the Executive Board in 2009. In 2014, he was elected Vice President, and in 2018, he also became a member of the Board of Directors. In 2019, he became solely a member of the Board of Directors. In addition, he holds various management positions in Bradesco’s parent companies. He is also a member of the Board of Directors of B3 S.A., Bradespar S.A., Odontoprev S.A. and Bradsaúde S.A.

Information Technology professional with extensive experience in Risk Management. From 2014 to 2020, he was a member of the Integrated Risk Management and Capital Allocation Committee, and since 2020, he has been Coordinator of the Bradesco Risk Committee and Member of the Risk and Finance Committee (CRIF) of B3 S.A. – Brasil, Bolsa e Balcão. He has been recognized for his contributions to the sector, receiving awards and distinctions throughout his career. His expertise in technology and finance makes him an influential and respected person in the Brazilian market. He continues to positively impact companies and the financial sector with his strategic vision and leadership skills.

Graduated in Electrical Engineering from Escola Politécnica da Universidade de São Paulo (Poli/USP), he has a specialization in Data Communication and Software Development from NCR Comten, Inc. USA, university extension course in Finance from Wharton Business School – Pennsylvania, USA, participated in Executive Development programs at Columbia University – New York, USA, and for Corporate Directors of Boards of Directors at Harvard Business School, Boston, USA.

Rogério Pedro Câmara

Member

Member of the Board of Directors since November 2024 and elected Chair of the Audit Committee in 2026. He was Executive Vice President of Banco Bradesco S.A. between 2021 and 2024. He is also a member of the Board of Directors of Bradesco Seguros Group companies and Alelo and Veloe companies, in addition to coordinating the Audit Committee of Bradesco Saúde.

He began his career at Bradesco in a bank branch in June 1983, subsequently developing his knowledge of risks and controls while working in and leading the Internal Audit area and, later, heading up the Technology areas.

He holds a degree in Business Administration from Universidade Paulista (UNIP), a Lato Sensu postgraduate degree (MBA) with a specialization in Knowledge, Technology, and Innovation from Fundação Instituto de Administração (FIA), and another MBA in Controllership from Fundação Instituto de Pesquisas Contábeis, Actuarial and Financial Sciences at the University of São Paulo (FIPECAFI/USP), International module – MBA in Knowledge, Innovation and Technology from Bentley College – Waltham Massachusetts – USA, in addition to the Advanced Management Program from Fundação Dom Cabral (FDC) and the Advanced Management Program – IESE Business School from the University of Navarra, São Paulo, SP. He completed the course “Board Members” from Instituto Brasileiro de Governança Corporativa (IBGC).

He developed his skills and experience through participation in international programs, such as: “Changing the Game: Negotiation and Competitive Decision Making” from Harvard Business School; “Customer-Focused Innovation Program” and “Leading Change and Organizational Renewal Program” from Stanford University Graduate School of Business; “Making Strategy Work: Leading Effective Execution” and “Strategic Thinking and Management for Competitive Advantage Program” from The Wharton School; “The Leadership at the Peak Program” from Center for Creative Leadership; and “Advanced Strategy Program: Building and Implementing Growth Strategies,” “High Performance Leadership,” and “The Executive Development Program” from University of Chicago Booth School of Business, all in the United States of America.

Marcelo de Araújo Noronha

Member

Chief Executive Officer (CEO) of Banco Bradesco S.A. since November 2023, noted for his professional experience, acquired over more than 38 years in the financial market, 20 of which were dedicated to the Bradesco Organization, where he worked in the areas of Cards, Wholesale, Marketing, and Retail.

At Bradesco, he held various leadership positions throughout his career, including vice presidencies in areas such as Corporate, Bradesco Empresas, Bradesco BBI, International, and Foreign Exchange. He was also responsible for Bradesco Cartões and affiliated payment and payment institution companies, including positions on the Boards of Directors of companies such as Alelo Instituição de Pagamento S.A. and Cielo S.A. – Instituição de Pagamento. In 2026, he was appointed a Member of the Board of Directors and the Advisory Board of Federação Brasileira de Bancos (FEBRABAN), and elected Chair of the Council of Representatives of Confederação Nacional das Instituições Financeiras (FIN).

His management style is results-oriented and focused on the continuous pursuit of innovation. He has been recognized for his ability to lead complex projects and for his strategic vision, which has helped strengthen Bradesco’s position in the financial market.

He holds a degree in Business Administration from Universidade Federal de Pernambuco (UFPE), with a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), in Financial Institutions Management (Banking) from Escola de Administração de Empresas de São Paulo da Fundação Getulio Vargas (EAESP – FGV), and an Advanced Management Program (AMP) from IESE – Instituto de Estudios Empresariales of Universidade de Navarra in Barcelona. He is a certified advisor by Instituto Brasileiro de Governança Corporativa (IBGC).

Afranio Carlos Camargo Dantzger

Officer

Officer of Banco Bradesco S.A., responsible for the legal area. He joined Bradesco in 1999 as a Legal Assistant. The executive went through practically all the technical positions of the Legal area of the Organization, contributing to the construction of strategies and structuring solutions, facing challenges and complex issues, both in the Litigation sphere and in Business law. In 2017, he began to work in the Compliance area, where he was promoted to Executive Superintendent, actively working to improve governance and disseminate the Compliance culture in the Organization. In early 2025, he took over the Board of Legal Litigation at the Bank.

Master in Law from the FIEO University Center (UNIFIEO), postgraduate in Business Contracts from Fundação Getúlio Vargas (FGV), and with specialization in the i) Management Development Program – ISE and ii) Program for Management Development – PMD – ISE by the Business School associated with the IESE Business School University of Navarra. He is the author of several legal publications, and a member of several internal and external Committees/Commissions to the Bradesco Organization.

Alessandro Zampieri

Officer

Officer of Banco Bradesco S.A., where he began his career in December 1988, in the area of Security and Transportation of Values. In March 1996, he began to work in the Credit area, in which he went through all positions, being promoted to Department Manager in May 2011 and Executive Superintendent in August 2014, when he took the lead in the area of Modeling and Retail Credit Strategy. In 2017, he was transferred to the Data area and, in July 2018, began to operate in the Credit Products area, being responsible for the management of credit solutions with free resources for Individual and Legal Entities, in addition to the digital transformation agenda. In June 2021, he was promoted to Officer, remaining in the Products area until August 2023, when he returned to the Credit area, assuming responsibility for the entire Individual and Corporate Retail Credit Strategy.

Currently, he is a Full Member of the Board of Directors of Gestora de Inteligência de Crédito S.A. – QUOD and integrates the Executive Committee of Kunumi Serviços em Tecnologia da Informação S.A. Throughout his trajectory, he has consolidated extensive experience in credit strategies, modeling, financial products, data, innovation and digital transformation, with direct action in structuring initiatives for retail credit and for the technological evolution of the business.

Graduated in Business Administration from Faculdade de Ciências Econômicas e Administrativas de Osasco (Economic and Administrative Sciences) (FITO) and holds a MBA (“Lato Sensu”) with a Specialization in Banking from Fundação Instituto de Administração (FIA/USP), in addition to having completed the PMD Bradesco – Program for Management Development from IESE Business School – University of Navarra.

Alex de Brito Bonifácio

Officer

Officer of Banco Bradesco S.A., since December 2025, after the trajectory initiated at the Organization in 1998. He has more than 30 years of experience in the financial sector, with a consolidated career in the area of Institutional and Government Relations, performing strategic leadership roles.

Throughout his career at Bradesco, he held prominent positions, such as Executive Manager, Institutional Relations Manager, Department Manager at the General Secretariat, and was subsequently Executive Superintendent of the Department of Institutional Relations, a position that preceded his election to the Board of Executive Officers. In addition to his work at the Bank, he actively participates in relevant forums of the financial sector, with emphasis on ASSBAN, where he is a member of the Board of Directors and works, cumulatively, as Coordinator of the Committee for Innovation and New Business Development. He represents the Bank at FEBRABAN and ABEL at the National Congress. Before joining Banco Bradesco, he worked in the National Confederation of Financial Institutions (CNF), as Manager of Institutional Relations. At ASSBAN, he received the title of Honorary Member, in recognition of the intellectual contributions provided to the entity.

Graduated in Business Administration from Centro Universitário do Distrito Federal (UDF) and holds an MBA in Marketing from Fundação Getúlio Vargas (FGV). Master in Knowledge Management and Information Technology from the Universidade Católica de Brasília (UCB) and completed the Advanced Management Program (AMP) from the IESE Business School – University of Navarra, as well as an MBA in Artificial Intelligence for Business from Faculdade Exame. He complemented his training with the Certification for Tax Advisors (CCF) issued by the Brazilian Institute of Corporate Governance (IBGC). He is the author of books in the areas of performance, innovation and problem solving.

Alexandre Cesar Pinheiro Quercia

Officer

Officer of Banco Bradesco S.A. since July 2016, he has 38 years of experience in the financial market, fully dedicated to the Bradesco Organization. He began his career in the branch network, where he worked between 1987 and 2001. Between 2001 and 2004, he joined regional boards and, from 2004, he began to occupy strategic positions in the Branch Network Board of Executive Officers. Throughout his career, he was manager of several areas, led the implementation of the Service and Operations area and participated in relevant projects aimed at transforming the bank’s service model. He is a member of the Board of Directors of TECBAN and is a member of the Board of Directors of the Fundação Bradesco.

He has a professional profile and is strongly oriented to leadership and people management, focusing on the training of new talents, the strengthening of results and the continuous search for innovation.

Graduated in Legal Sciences from Centro Universitário Metropolitano de São Paulo (UNIFIG) and has a specialization in Business Management and Corporate Governance from Fundação Getúlio Vargas (FGV), as well as qualification from the IESE Business School – University of Navarra and the High Leadership Development Program of consultoria Wisnett (consulting).

Ana Luisa Rodela Blanco

Officer

Officer of Banco Bradesco S.A. since January 2025. She has a consolidated career in the financial market, with extensive experience in credit analysis and investments, especially in fixed income funds, both high grade and high yield. Throughout her trajectory, she stood out for her technical capacity, strategic vision and consistent delivery of results.

Executive with more than 20 years of experience in the financial sector, she began her career at Banco Santander (Brasil) S.A. as a Large Corporate Credit Analyst. She also worked at Itaú Unibanco Asset Management Ltda. as Senior Credit Analyst and BRZ Investimentos Ltda. as a Credit Associate. In 2013, she joined BRAM – Bradesco Asset Management S.A. DTVM, where she worked as Manager of Investment Analysis in Fixed Income, being promoted to Superintendent of Investment Analysis in 2017 and, subsequently, the Senior Superintendent in 2022.

Graduated in Business Administration from Universidade Mackenzie and holds recognized market relevance certifications, including CFA Charterholder from CFA Institute, in addition to CGA, CGE and CFG certifications from ANBIMA, which attest to her qualification as a resource manager and specialist in structured funds.

André Costa Carvalho

Officer

Officer of Banco Bradesco S.A., since February 2024, responsible for the area of Market Relations. Previously, he worked as Chief Economist, Equity Strategist and Head of Research and Corporate Access of Bradesco BBI. He joined the Bank after the acquisition of HSBC Bank Brasil S.A. – Banco Múltiplo, in 2016. He is a member of the Fiscal Council of Instituto Apontar and Deputy Officer at NCF Participações S.A.

He is recognized as one of the leading equity strategists and economists in Brazil and Latin America, having been highlighted by the international research Institutional Investor (II/Extel) in all 11 years between 2014 and 2024. Between June 2013 and 2016, he held the position of Senior Vice-President and worked as Head of Equity Strategy for Brazil and Latin America at HSBC. Previously, he was equity strategist, chief economist and member of the Latin American Research Committee at UBS Brazil.

He also served as Managing Partner at Main Street Consultoria, an economic consulting company, and as Officer in the Economics area of Credit Suisse Brasil. Between 1999 and 2004, worked as chief economist and head of the economic advisory of the President of the Federation of Industries of the State of São Paulo (FIESP) and the Center of Industries of the State of São Paulo (CIESP). Previously, he was chief economist at Marka Nikko Asset Management and Fleming Graphus Corretora.

Bachelor and Master in Economics from Pontifícia Universidade Católica do Rio de Janeiro (PUC-RJ). Between 1996 and 1997, he was the professor of Statistics of Economics at PUC-RJ.

André Ferreira Gomes

Officer

Officer of Banco Bradesco, responsible for the Prime Client Area and the Transformation agenda, as leader of the Managed Retail front.

He has more than 40 years of experience in the financial market, with a trajectory built in the Individual and Corporate Retail segments. Throughout his career, he worked in managing customer service in the North, Northeast and Southeast regions of the country. He was also responsible for the Investments area, leading the distribution management of Treasury products, Bradesco Asset Management, Ágora and the areas of Life and Pension Plan. Subsequently, he became leader in the segment of High-income Individual clients.

Graduated in Law from Universidade de Ribeirão Preto (UNAERP) and holds a Postgraduation (“Lato Sensu”) MBA in Financial Management and Controllership from Fundação Getúlio Vargas (FGV). He completed the Program for Management Development (PMD) from IESE Business School – University of Navarra, in São Paulo.

Antonio Campanha Junior

Officer

Officer of Banco Bradesco S.A., with a solid background in the Bradesco Organization, where he began his activities in June 1998, in the Fiscal Audit Department, an area in which he remained for 11 years. In June 2009, he began to work in Corporate Governance, focusing on Corporate and Corporate Governance areas, being responsible for advising the Board of Directors and the Board of Executive Officers. In June 2023, he was promoted to Corporate Governance Director.

In addition to his work at Bradesco, he is a member of the Governance Committee of AMCHAM Brasil (American Chamber of Commerce) and as Officer of several companies of the Bradesco Organization.

Graduated in Law from Centro Universitário de Rio Preto (UNIRP) and holds an LL.M. in Financial and Capital Market Law and an LL.M. in Corporate Law from Insper. He completed the Management Development Program (PDG) and the Advanced Management Program (AMP) from the University of Navarra (ISE/IESE), as well as training in Financial and Capital Markets from Fundação Getúlio Vargas (FGV). He is certified as Governance Officer by the Brazilian Institute of Corporate Governance (IBGC).

Bráulio Miranda Oliveira

Officer

Officer of Banco Bradesco S.A., with extensive experience in the financial market, he began his career in January 2000 at HSBC Bank Brasil S.A. – Banco Múltiplo, as a trainee, having occupied several positions in the Branch Network, in the Segments and in the Head Office. Between 2010 and December 2013, he worked as Superintendent in the High-Income segments and in the Asset Management Platform. In January 2014, he was promoted to Executive Superintendent, taking over Commercial Management and the acquisition of clients from HSBC’s Branch Network.

In December 2017, after the acquisition of the institution by Banco Bradesco S.A., he began to exercise the role of Digital Executive Superintendent, being responsible for the strategy and business of Digital Platforms, including the Digital Branch. In June 2023, he was promoted to the position of Officer of Digital Retail, the role he currently holds.

Graduated in Civil Engineering from the Universidade Federal de Minas Gerais (UFMG) and holds an Executive MBA in Finance from the Brazilian Institute of Capital Markets (IBMEC), as well as a specialization in Marketing from the Universidade Federal do Paraná (UFPR). He completed the High-Performance Program from Insper, the Next Generation Program from HSBC, the Management Development Program (PDG) from ISE Business School and the Program for Management Development (PMD) from IESE Business School – University of Navarra, in São Paulo.

He holds the Certified Financial Planner (CFP®) certification from Planejar and has executive training from StartSe University, as well as a specialization in Digital Transformation from the Massachusetts Institute of Technology (MIT) – Professional Education.

Bruno Funchal

Officer

CEO of Bradesco Asset Management since May 2022. Previously, he held relevant positions in the federal government and in the State of Espírito Santo, having worked as Special Secretary of the Treasury and Budget, Secretary of National Treasury and Secretary of Finance for the State of Espírito Santo. In 2021, he was a member of the National Monetary Council.

Economist from Universidade Federal Fluminense (UFF), PhD in Economics from Fundação Getúlio Vargas (FGV – RJ), with post-doctorate from the National Institute of Pure and Applied Mathematics (IMPA). He is full professor at FUCAPE Business School and has worked as a visiting researcher at the University of Pennsylvania.

Bruno Rosa Cardoso

Officer

Officer of Banco Bradesco S.A., Executive with experience in the financial market, with outstanding performance in leadership positions in institutions such as Santander, HSBC and Bradesco. He has a solid specialization in fixed income, derivatives and corporate risk solutions, combined with a strong performance in business development and trading activities, focusing on profitability and the structuring of treasury products.  Stands out for the ability to connect client demands to efficient financial solutions, strengthening strategic relationships and partnerships.

In July 2024, he was promoted to the position of Senior Business Superintendent and, in January 2025, was elected Officer. Previously, he worked as Trader Vice-President at Banco Santander (Brazil) S.A. and as Senior Executive Market Sales at HSBC Bank Brasil S.A. – Banco Múltiplo.

Graduated in Business Administration from Universidade Presbiteriana Mackenzie and holds a High Leadership qualification from Banco Bradesco.

Clayton Neves Xavier

Officer

Officer of Banco Bradesco S.A., since March 2026, responsible for the area of Compliance and Non-Financial Risk Management. He has extensive professional experience, built over a trajectory fully dedicated to the Bradesco Organization, with operations in the areas of risk control, compliance, business continuity, analytics, technology and corporate security.

At Bradesco, he has led relevant projects throughout his career, including structuring the areas of Market Risk and Liquidity, Regulatory Service and Compliance, Data Intelligence, as well as implementing the General Data Protection Law (LGPD) and Open Finance.

Graduated in Economic Sciences from the Pontifícia Universidade Católica de São Paulo (PUC/SP), he holds an Executive MBA in Finance from the Brazilian Institute of Capital Market (IBMEC), with a degree in Economics from Institute of Education and Research (INSPER). He complemented his training with the Program for Management Development (PMD) by ISE Business School and the Immersion Program “Decisions 4.0” from IESE Business School – University of Navarra and ISE Business School.

Cristiano Adjuto e Campos

Officer

Officer of Cyber Security at Banco Bradesco S.A. since 2025. He has a solid background in the financial sector, started in 2000, with extensive experience in information security, cybersecurity, risk management and data privacy.

Between 2002 and 2004, he worked as Information Security Coordinator at Grupo Caixa Seguros. Later, he joined Banco Santander, where he held leadership positions in the areas of Information Security and Risk Management, in Brazil and Spain, remaining in the institution until 2011.

During this period, he led the Security Operations Center (SOC) of Produban, a technology company of the Santander Group, a role he had until 2013. Subsequently, he assumed the position of Head of Cybersecurity of BM&FBovespa, current B3 S.A. – Brazilian Exchange & OTC (B3), where he worked as Chief Information Security Officer (CISO) and Data Protection Officer (DPO).

At B3, he was responsible for strategic areas such as cyber governance, access control, cyber defense and resilience, security architecture, secure development, privacy and cyber risk management, highlighting the approach of high leadership to critical cybersecurity issues. In 2021, he was promoted to Cybersecurity Officer of B3, a position he held until April 2025.

In April 2025, he took over Banco Bradesco’s Cybersecurity Board, with results-oriented performance, continuous innovation, leadership of high complexity projects and strategic vision, contributing to the strengthening of the Bank’s position in the financial market.

Graduated in Information Systems from Centro Universitário Euro-Americano (UNIURO), holds an MBA in Information Technology from Insper, executive training in Leadership and Business from IESE Business School and a specialization in Digital Law from Fundação Getúlio Vargas (FGV).

Cristiano Gomes de Moura

Officer

Officer of Banco Bradesco S.A., with extensive experience in fraud prevention, he has built a solid career across financial institutions and technology companies, including Banco ABN AMRO Real, Citi, Citibanamex, Bitso, and Banco Santander.

Throughout his career, he has led strategic fraud prevention initiatives across Latin America, including the turnaround of card operations, involving team restructuring and strengthening of the first line of defense. He has also worked within the second line of defense at an international level, developing frameworks, policies, and governance structures for wholesale banking and new product development, in addition to leading the implementation of fraud prevention functions across multiple organizations.

He brings comprehensive experience in Fraud Prevention, Internal Fraud, Customer Experience, Solutions, and Processes, with a strong focus on risk management, strategy, and operational transformation. He is particularly recognized for driving initiatives to expand the use of data and analytics, including the adoption of Artificial Intelligence to enhance processes, refine models, and improve cost efficiency.

Graduated in Information Systems from Faculdade de Informática e Administração Paulista (FIAP), he holds an MBA in Business Administration from Fundação Instituto de Administração (FIA).

Cristina Coelho de Abreu Pinna

Officer

Since February 2021, he has been Chief Technology Officer of Banco Bradesco S.A., currently being responsible for the Information Technology Governance area. He has solid professional experience, with 32 years of experience in the Information Technology sector, of which 11 are dedicated to the financial segment. Before joining Bradesco, in 2019, he worked in several companies in the sector.

Throughout his career, he played a relevant role in the development and delivery of strategic projects to the financial industry, with coverage in systems support, software quality management and information technology management. He has held leadership positions in the areas of Systems Development, IT Architecture, Infrastructure and IT Governance, participating in major-impact initiatives such as: Bradesco Mobile Banking, Internet Banking for Individuals and Legal Entities, BIA (Bradesco Artificial Intelligence), PIX, e-commerce, Card platforms and Open Finance.

His performance is results-oriented, focusing on people management and in conducting complex and innovative technological projects, always guided by excellence in the execution and the continuous search for solutions that add value to the business and to clients.

Graduated in Electrical Engineering from the Polytechnic School of the Universidade de São Paulo (USP), Master in Software Engineering and Systems Architecture from the same institution and postgraduate in Administration from Fundação Vanzolini. He complemented his training with executive programs such as Program for Management Development (PMD) and 4.0 Decisions by ISE/IESE Business School, as well as high management courses in Strategy and Leadership from Fundação Getúlio Vargas (FGV) and AI Strategy and Leadership Program: Thriving in the New World of AI, from MIT Pro.

Daniela Pinheiro de Castro

Officer

Officer of Bradesco Principal, with more than 30 years of experience in the financial market, 25 of them dedicated to commercial performance and people management. Throughout his career, he has built a career focused on leadership development, the training of high-performance teams and the generation of sustainable value for clients, businesses and society.

He joined HSBC Bank Brasil in 2014 as Superintendent of the Asset Management Platform and, after the acquisition by Bradesco, he began to occupy strategic positions in the bank. He worked as Department Manager and Superintendent, being responsible for the implementation and definition of the strategy of the Asset Management Platform (PGP), an area focused on offering specialized consulting for the service network and for investor clients. In October 2022, she was elected Officer.

Graduated in Business Administration from Faculdades Metropolitanas Unidas (FMU), with MBAs in Retail Marketing (FIA/USP) and Luxury Retail (Youngstown State University, USA), as well as executive programs from ISE Business School and StartSe University.

Danilo Luis Damasceno

Officer

Officer of Banco Bradesco S.A., since July 2023 responsible for the area of Financial Risk Management. He joined the Organization in 1993 and, over more than 30 years of experience, has built solid experience in risk management, working in strategic areas such as Market Risk and Liquidity, Credit Risk Modeling, Risk Integration and Credit Risk.

At Bradesco, he held relevant leadership positions and played a central role in the implementation and strengthening of the Bank’s risk management structure, contributing decisively to the definition of the risk appetite, the improvement of corporate governance, the evolution of risk models and their application in management, as well as in the relationship with the market and with regulators.

In addition to his work at Banco Bradesco S.A., he is Officer of several Group companies, including Ágora Gestão de Recursos Ltda., Banco Bradesco BBI S.A., Banco Bradesco Financiamentos S.A., Banco Digio S.A. and Banco Losango S.A., among others, as well as participating in strategic internal and external governance bodies.

Graduated in Accounting Sciences from the Universidade de São Paulo (USP), holds an MBA in Finance and a Master’s degree in Economics from Insper, and has completed the Program for Management Development (PMD) from IESE Business School – University of Navarra.

Fábio Monteiro Chehab

Officer

Officer at Banco Bradesco S.A. since 2025. He is a professional with solid financial knowledge and extensive experience in the areas of operations, planning, and innovation, standing out for his analytical vision and ability to lead highly complex initiatives.

He began his career in 1997 at Citi Brazil, where he worked in the planning of various products and segments, reaching the position of Senior Superintendent of BP&A Retail. In 2008, he assumed the position of Head of Finance and Operations at Fundo Vision.

He joined Banco Bradesco in June 2021 as Executive Superintendent of the Loans and Financing Department. He has also worked on relevant strategic initiatives, such as the Change Movement, with notable participation in Cash Management, Banco Flórida, and Credit Cycle. In June 2025, he was elected Officer.

Graduated in Engineering from Escola Politécnica da Universidade de São Paulo (USP).

Fabio Suzigan Dragone

Officer

Executive with more than 20 years in the financial market. He joined Banco Bradesco in 2008, in the Bradesco Financiamentos segment, where he was responsible for the areas of Planning, Products and Pricing. In 2013, he started working in Banco Bradesco’s Marketing area, assuming responsibility for the sponsorship of the RIO 2016 Olympic Games and for the sports marketing strategy.

Subsequently, he led the areas of Media and Business Marketing of the Bank until 2018, when he assumed the position of Officer of Digital, CRM, Innovation and Customer Experience of Grupo Bradesco Seguros. After five years working in the Group’s insurance company, he returned to the Bank in 2023 as Officer of “be” (Bradesco Experience), the area responsible for Customer Experience and Digital Channels of the Bank. In March 2025, he took over the Management of Bradesco’s Retail Segment.

Graduated in Production Engineering from Universidade de São Paulo (USP), holds an MBA in Business Management from Fundação Getúlio Vargas (FGV) and a specialization in Marketing from Kellogg School of Management, Northwestern University, USA.

Fernando Honorato Barbosa

Officer

Chief Economist and Officer of Economic Research of Banco Bradesco. He also works as coordinator of ANBIMA’s Macroeconomic Advisory Group, a guest member of G100 and as member of the global community of chief economists of the World Economic Forum. Over more than 22 years of experience in the Bradesco Organization, he has held several leadership positions. He was Executive Superintendent and Chief Economist, as well as responsible for the Credit and Equity Research areas of Bradesco Asset Management between 2011 and 2016. He worked as deputy chief economist of the Bank’s Department of Economics between 2008 and 2011, chief economist of Bradesco BBI between 2007 and 2008 and senior economist of Bradesco from 2003 to 2007.

He has more than 27 years of experience in economic analysis, with articles published in magazines, newspapers and books in Brazil and abroad. Prior to joining Bradesco, he worked at BBVA, BankBoston and Rosenberg & Associados.

Graduated and with a Master’s degree in Economics from the Universidade de São Paulo (USP) and completed the Program for Management Development (PMD) from the IESE Business School, as well as the Advanced Management Program (AMP) from the Massachusetts Institute of Technology (MIT).

His academic production focuses on the foreign sector of the Brazilian economy and macroeconomic policies since the Real Plan. He regularly participates in events promoted by the Central Bank of Brazil, Ministry of Finance, National Treasury, International Monetary Fund (IMF) and the World Economic Forum.

Fernando Julião de Souza Amaral

Officer

Officer of the cards area of Banco Bradesco S.A. since September 2025.  He has more than 30 years of experience in the financial market and in the payment solutions sector.

Throughout his career, he has held leadership positions in relevant industry companies, such as Credicard, Redecard, Orbital, Itaú Unibanco and Visa. He has accumulated extensive experience in the areas of credit, fraud prevention, operations, marketing, products and business, with a strong contribution to the development of the card industry in Brazil.

He actively participated in sector initiatives, representing the companies where he worked before ABECS (Brazilian Association of Credit Cards and Services), and is currently Sector Officer of FEBRABAN for the card segment.

His management is oriented to customer satisfaction, generation of results through digitalization and continuous search for innovation. He is recognized for his strategic vision and ability to transform businesses and teams, promoting sustainable growth.

Graduated in Business Administration from Fundação Armando Alvarez Penteado (FAAP), he holds an Executive MBA from Fundação Dom Cabral, Executive extension from Kellogg School of Management and Specialization in Banking from the Swiss Finance Institute (SFI).

Francisco Armando Aranda

Officer

Officer of Banco Bradesco, since February 2022, leading the Transformation Office and the Consulting area, focusing on conducting strategic projects and implementing initiatives aimed at organizational transformation and operational efficiency.

He has more than two decades of management consulting experience, with experience in leadership positions in global companies such as McKinsey & Company and EY, where he coordinated practices dedicated to performance improvement in financial institutions, insurance companies, and payment solution companies.

Since 2001, he has been supporting leading organizations in defining and implementing innovative strategies, focusing on performance improvement and sustainable value generation.

Graduated in Production Engineering from the Polytechnic School of the Universidade de São Paulo (Poli/USP), with a specialization in Finance from the University of California – Berkeley Extension, as well as Executive MBAs from Fundação Getúlio Vargas (FGV/EAESP) and ISE Business School, in partnership with IESE Business School.

Francisco Henrique França Fernandes

Officer

Officer of Banco Bradesco Financiamentos S.A., with a solid trajectory of 43 years in the financial sector, of which 40 are dedicated to the Bradesco Organization. He joined Banco Bradesco in August 1985 and, throughout his career, held strategic positions that consolidated his management experience, with outstanding performance in the areas of Retail, Consortia and Financing.

At Bradesco, he worked in several regions of the country in the Branch Network of agencies, reaching the position of Regional Officer. He was responsible for the Retail Legal Entity segment and for the leadership of the companies Bradesco Consórcio, Banco Losango and Bradesco Financiamentos. He worked as member of the National Council of the Brazilian Consortium Association and as a representative of Bradesco in the Vehicles Advisory Group of Febraban.

His performance is guided by the continuous search for results and operational excellence, with a strong focus on corporate governance and the development of strategies focusing on the credit market and consortia.

Graduated in Accounting Sciences from Faculdade de Ciências da Administração de Petrolina and with an Executive MBA in Business Administration, with an emphasis on Banking, from Fundação Getúlio Vargas (FGV) and Program for Management Development (PMD) from the IESE – University of Navarra, in São Paulo.

Henrique Leme Pinto Lima

Officer

Private Equity Officer at Banco Bradesco S.A., since November 2025, with a consolidated trajectory in the financial market. He has worked for more than two decades in national and international institutions, with relevant experiences at Bank of America and Stratum Investimentos, as well as a solid activity in the Bradesco Organization, where he joined in 2008 and held strategic positions throughout his career.

Throughout his professional journey, he held leadership positions as Superintendent, Executive Superintendent and Officer at Banco Bradesco BBI S.A. He also worked at Bradesco Bank (former BAC Florida Bank), where he held the positions of President and CEO, as well as Member of the Board of Directors. In the international environment and in the global market, he worked as Vice-President in Merger & Acquisition Operations in New York and São Paulo, consolidating his expertise in structured operations and investments.

Graduated in Business Administration from Fundação Armando Alvares Penteado (FAAP) and has a career marked by team leadership, high complexity business management and participation in strategic decisions of corporate relevance.

Jeferson Ricardo Garcia Honorato

Officer

Officer of Banco Bradesco S.A. since January 2019, with extensive experience in the areas of IT, Innovation, Special Products, Bradesco Day&Night, Branch Network, Digital Channels, including Next (digital bank). Currently, he is responsible for conducting the Transformation Front of the Remote/Digital Service Model, through the Customer Relationship Call Centers.

Over 37 years of experience at Bradesco Organization, he worked in the design, implementation and management of relevant innovation, digital transformation and business development projects, with emphasis on initiatives such as Telecliente Bradesco, Telepagamentos Bradesco, TeleBradesco Residência Mega-Drive, implementation of Smart Card in debit and credit cards, Bradesco University Account, Bradesco Internet Banking, Bradesco Net Empresa, ShopInvest, ShopCredit, Bradesco App, institutional presence in social networks and the Branch of the Future Bradesco Next at Shopping JK Iguatemi. He also accumulated experience in the Branch Network, where he worked for three years.

As Executive Superintendent of Digital Channels, he was responsible for the management, transformation and expansion of Internet and Mobile Banking Channels.

As Officer, he led the design, structuring, implementation and management of next (digital bank), as well as nextJoy and Marketplace.

He also worked as Managing Officer of Next Tecnologia e Serviços Digitais S.A, Officer of ShopFácil Soluções em Comércio Eletrônico S.A. and Officer of BEC – Distribuidora de Títulos e Valores Mobiliários Ltda.

Graduated in Law from Centro Universitário FIEO (UNIFIEO), has technical training in Data Processing, Specialization in Financial Strategies and Marketing (MBA-Bradesco) from the Foundation Institute of Administration and Faculty of Economics, Administration and Accounting of the Universidade de São Paulo (FIA/FEA – USP). He complemented his training with executive programs, including Senior APG (Amana-Key), Advanced Negotiation Program from the University of California Berkeley, Leadership Trail, and Program for Management Development (PMD) from IESE Business School. In 2008, he participated in immersion in new technologies at the Massachusetts Institute of Technology (MIT – Mobile Experience Lab), contributing to the ideation and construction of the Bradesco App.

José Leandro Borges

Officer

He joined the financial market in 1993, beginning his career in the International area of Banco Real. In 1995, he returned to Brazil after working at the Banco Real in New York, assuming position in the Trade Finance area. With the acquisition of Banco Real by ABN Amro Bank, in 1998, he began to work in Corporate Banking, with responsibility for the coverage of Automotive, Mobility, Services and Retail. After the acquisition of ABN Amro Bank Brazil by Santander, he joined CIB, providing customer service to multinational companies in the role of Superintendent.

In 2010, he joined HSBC Brasil in the Global Banking as Brazil’s Multinationals Officer and, in 2012, assumed the position of Officer responsible for multinational companies in Latin America. With the acquisition of HSBC Bank Brasil by Bradesco in 2016, he joined the corporate team of Banco Bradesco, leading the structuring of the Multinational unit. In 2019, he was promoted to Officer of Multinational Companies and, in 2024, assumed the position of Officer of Global Corporate, a role he currently holds, with responsibility for corporate teams in New York, Luxembourg and Hong Kong, as well as specialized teams in the Oil & Gas, Automotive, Telecommunications and Digital Infrastructure sectors. He is Vice-President of the Brazil-China Business Council.

Graduated in Economic Sciences from the Universidade de São Paulo (USP) and holds an Executive MBA in Finance from Institute of Education and Research (INSPER), as well as a Postgraduation (“Lato Sensu”) (Senior Corporate MBA ABN – Executive in Business), also from Insper.

Juliana Laham

Officer

Officer of Banco Bradesco S.A., with more than 28 years of experience in the financial market, having worked in prominent institutions such as Citibank, ABN AMRO, Barclays, Goldman Sachs and HSBC. With the acquisition of HSBC by Banco Bradesco S.A., she joined the Organization in 2017, assuming the position of Manager of Strategy, Products of Bradesco Private Banking and Advisory. In 2019, she was promoted to Executive Superintendent and, in November 2022, was elected Officer.

Currently, she is an alternate member of the Private Banking Commission and Member of the Distribution Forum of ANBIMA – Brazilian Association of Financial and Capital Markets Entities, as well as Member of the Board of Directors of Planejar – Brazilian Association of Financial Planning.

Throughout her professional career, she consolidated relevant experience in global markets, having worked as Senior Investment Counsellor at Kirton Bank S.A. – Banco Múltiplo; Head of Markets and Solutions Group and Vice-President of Goldman Sachs; Vice-President of Debt Capital Markets Derivatives/IDB of Banco Barclays S.A.; Global Markets Sales Manager at Kirton Bank S.A.; Senior Operator of Derivatives, Hedge strategies, investments and financing at ABN AMRO Bank S.A.; and Full Operator of Financing at Citibank S.A.’s Operations Desk.

Graduated in Business Administration from Universidade Presbiteriana Mackenzie – Faculty of Economic, Accounting and Administrative Sciences. He holds a Master’s degree in Economics, with a focus on Applied Finance and Macroeconomics, from Faculdade IBMEC São Paulo, as well as an Executive MBA in Finance from IBMEC. She also completed his Disruptive Strategy programs from Harvard Business School, Program for Management Development (PMD) from ISE/IESE and Partners Group Private Equity Academy, held in Denver, USA.

Julio Cardoso Paixão

Officer

Credit Recovery Officer at Banco Bradesco S.A. since March 2024, with a consolidated trajectory of more than 27 years in the financial market, 16 dedicated to the Bradesco Organization. Throughout his career, he has built solid expertise in strategic areas such as Cards, Risk Management, Credit, Loan Products and Financing, as well as Credit Recovery. He also has international experience at Citigroup North America, based in Fort Lauderdale, Florida (USA), as a Billing Specialist for Latin America.

At Bradesco, he held high leadership positions, including the Executive Superintendents of Risk Modeling and Credit Concession at Bradesco Cartões (Cards), as well as the Credit, Loan Products and Credit Recovery Boards. Currently, he is a member of the Board of Directors of RCB Investimentos, having worked as Vice-President of the Board of Directors of ACREFI, Officer of Bradesco Leasing and Officer of e-Agro (Agribusiness) Solutions in Electronic Commerce.

Graduated in Data Processing from UNESP/FATEC São Paulo and holds an MBA in Business Management from Fundação Instituto de Administração (FIA), with executive extension at Columbia University (New York, USA), in addition to having completed the Program for Management Development (PMD) from IESE – University of Navarra School in São Paulo.

Júlio César de Almeida Guedes

Officer

Officer responsible for Portfolio Management at the Credit Department since April 2024. He has extensive experience in the areas of Credit and Risk, with a consolidated trajectory in leadership positions in the financial sector, having worked as Officer, Superintendent and Manager in prominent institutions such as Itaú Unibanco, Unibanco and Serasa Experian.

Throughout his career, he has accumulated relevant experiences as Officer of Analytics at Serasa Experian, member of the Risk Committee of the Credit Guarantee Fund (FGC), Superintendent of MIS (Management Information System), Projects and Analytics at Itaú Unibanco, as well as Superintendent of Credit Policies at Unibanco.

Graduated in Statistics from Universidade Estadual de Campinas (UNICAMP) and with a Postgraduation in Business Administration from Universidade Presbiteriana Mackenzie, as well as an Executive MBA from the Brazilian Institute of Capital Markets (IBMEC) and completed the Program for Management Development (PMD) from IESE – University of Navarra School in São Paulo.

Leandro José Diniz

Officer

Officer of Banco Bradesco S.A. With over 27 years of experience in the financial sector, he has built his entire professional career within the Bradesco Organization. He joined Banco BCN S.A. in 1997 as a Manager an institution incorporated by Banco Bradesco S.A. in the same year and has since held positions of increasing responsibility, developing a strong leadership profile, solid management capabilities, and a strategic mindset.

Throughout his career, he served as Regional Manager, was promoted to Executive Superintendent in 2011 and was elected Regional Officer in 2012. In 2016, he assumed the directorship of Bradesco Administradora de Consórcios Ltda. In 2017, he returned to Banco Bradesco as Departmental Officer, where he leads initiatives focused on strengthening the Retail segment. In March 2024, he was re-elected as Officer responsible for the segment.

He maintains active participation in key industry associations, contributing to organizations such as CIESP, CIBRASEC, ABEL, ACREFI, FEBRABAN, FIABCI Brasil, and ACSP. He currently serves as a Member of the Governing Board of Fundação Bradesco.

His career is distinguished by the leadership of strategic initiatives, a strong commitment to people development, and a consistent focus on the sustainable growth of the Bradesco Organization.

He holds a degree in Business Administration from Universidade de Ribeirão Preto (UNAERP), a specialization in Economic Analysis from Centro Universitário Moura Lacerda, an in-company MBA in Banking Business from FGV/EAESP and has completed the Advanced Management Program (AMP) at IESE – University of Navarra.

Leandro Karam Correa Leite

Officer

Officer of Banco Bradesco S.A., with a solid track record in the areas of Controllership, Planning and Private Banking, began his career as a Foreign Exchange Portfolio Analyst of Financial Institutions and as a Consultant in the implementation of the Management Accounting Model of Banco Bradesco S.A., in addition to participation in several projects in the area of Controllership.

He formally joined Banco Bradesco S.A. in 2002, in the Budget and Control area, where he participated in the implementation of the process of calculating results of Products, Departments and Segments. In July 2004, he began working in the Private Bank area, initially as an Analyst and subsequently assumed leadership positions as Head of the Products Area, Chief Strategist and Superintendent. In October 2022, he was elected Officer of Bradesco Private Bank, a position he currently holds.

Currently, he is a Full Member of the Private Banking Commission of ANBIMA – Brazilian Association of Financial and Capital Market Entities.

Previously, he worked at Austin Rating, as an Intern, Trainee and Relationship Manager, as well as at Estratege Assessoria Empresarial, as Full Organization Consultant.

Graduated in Business Administration, with an Emphasis on Foreign Trade, from Universidade Paulista (UNIP). He holds an MBA in Finance from Faculdade IBMEC São Paulo (Insper) and completed the Program for Management Development (PMD) from IESE – University of Navarra, in São Paulo.

Leandro Marçal Araújo

Officer

Technology Officer of Banco Bradesco S.A. since January 2025, he has a consolidated trajectory in Technology, with a career started in 2005 and continuous operations in the financial sector since 2008.

At Bradesco, he plays a transversal and strategic role based on Technology Architecture leadership, influencing structuring decisions and expanding the integration between technology, business and customer experience, focusing on the sustainable growth of the Bank.

Recognized for his people-oriented leadership, he adopts a close, constructive and responsible management model. The combination between conducting strategic initiatives and managing critical operations throughout his career gave him a broad and pragmatic vision, fundamental to driving technology as a vector of competitive differentiation for Bradesco.

Graduated in Data Processing from FATEC, postgraduate in Business Administration from Fundação Getúlio Vargas (FGV), with specialization in Development and People Management from FGV. He holds an Executive MBA from INSPER and holds a Sloan Fellows MBA from the Massachusetts Institute of Technology (MIT).

Letícia Cardelli Buso Gomes

Officer

Officer of Banco Bradesco S.A. since December 2024, she has a professional career of 14 years in the wholesale banking sector, with emphasis on Corporate Banking. She began her career in Bradesco as Junior Market Operator in Treasury, being promoted to Corporate Manager and, later, to Executive Superintendent.

Graduated in Law from Fundação Armando Alvares Penteado (FAAP), she completed her training with a Certificate in Business Administration (CBA) from Insper and a Program for Management Development (PMD) from ISE Business School.

Lucas Nogueira e Nogueira

Officer

Officer of the Corporate Products Department at Banco Bradesco S.A., position he has held since June 2025. His professional career is marked by almost two decades of experience in the financial sector, all dedicated to the Bradesco Organization, where he worked in strategic areas such as Loans and Financing, Retail, Research & Innovation and Corporate Business.

At Bradesco, he has held several leadership positions throughout his career, including roles as Executive Superintendent in the Department of Loans and Financing, Senior Business Superintendent – Corporate Products, as well as leading innovation initiatives as Habitat Manager – Research and Innovation. His work is recognized for his ability to conduct complex projects, promote digital transformation and develop solutions aimed at corporate clients.

Graduated in Commercial Management from Universidade Salvador (UNIFACS), Lucas complemented his training with executive programs at world-renowned institutions, such as the Executive Leadership Program from Stanford University, the certificate in Innovation and Technology from the Massachusetts Institute of Technology (MIT), postgraduation in Business Administration, Innovation and Leadership from Pontifícia Universidade Católica do Rio Grande do Sul (PUCRS) and the Program for Management Development (PMD) from ISE Business School.

His management is guided by the continuous search for innovation, operational excellence and value generation for clients and partners, strengthening Bradesco’s position in the corporate market.

Luis Claudio de Freitas Coelho Pereira

Officer

Officer of Banco Bradesco S.A., he began his career within the Bradesco Organization in 1987 as a messenger at Bradesco Corretora, rising to the position of Head of the Trading Desk. He served in the Equities and Custody Department from 2001 to 2017, holding the roles of Chief Executive Manager and Executive Superintendent. In 2018, he was elected Officer of Ágora Investimentos, a position he held until 2024, when he returned to Bradesco as Officer responsible for the Custody and Financial Services area.

His management approach is centered on people and technology, with a strong focus on results and a continuous drive for innovation. Recognized for his ability to lead complex projects and for his strategic vision, he has made a significant contribution to strengthening Bradesco’s position in the financial market. He currently takes on a new challenge as Officer of Operations and Business.

He holds a degree in Accounting from Faculdade Oswaldo Cruz and a postgraduate specialization in Capital Markets from Fundação Instituto de Pesquisas Contábeis, Atuariais e Financeiras (FEA-USP – FIPECAFI).

Luiz Philipe Roxo Biolchini

Officer

Officer of Treasury at Banco Bradesco S.A. since January 2024, he has built a distinguished career spanning over 34 years in the financial market, with the most recent years dedicated to the Bradesco Organization, where he has been active since July 2021. During this period, he held strategic roles as Officer and Chief Investment Officer (CIO) at BRAM – Bradesco Asset Management S.A., prior to assuming his current position.

Throughout his career, he has held senior leadership roles at major domestic and international institutions. He began his professional career in 1990 at Banco BTG Pactual as a Sales & Trading trader. In 1992, he joined Itaú, where he advanced to the position of Investment Officer. In 2003, he became Chief Financial Officer at Louis Dreyfus Commodities, remaining until 2007, when he joined ING Bank as Treasury Officer. Between 2009 and 2013, he was a Founding Partner and Portfolio Manager at First Value Capital, as well as a Partner and Chief Operating Officer (COO) at Vintage Investimentos. From 2015 to 2021, he served as Investment Officer at Sul América Investimentos. In July 2021, he joined Bradesco as Officer and CIO at BRAM – Bradesco Asset Management S.A., a role he held until his election as Officer of Treasury at Banco Bradesco S.A.

He holds a degree in Economics from Faculdade Candido Mendes (RJ) and has completed executive education programs at globally renowned institutions, including the Advanced Management Program at MIT, Leading Change and Organizational Renewal at Stanford Graduate School of Business, Financial Stability at London Business School, and Digital Transformation in the Age of AI at Stanford Graduate School of Business. He has also attended executive programs at Harvard Business School, INSEAD, CME, and the New York Institute of Finance. He is a Chartered Financial Analyst (CFA) charterholder, awarded by the CFA Institute (USA), and holds the CGA certification from ANBIMA.

Manoel Guedes de Araujo Neto

Officer

Officer of Banco Bradesco S.A., with extensive experience in the banking sector, he began his career in 1988 at Banco Econômico S.A., an institution later acquired by Banco Excel Econômico S.A. and subsequently by BBVA – Banco Bilbao Vizcaya Argentaria Brasil S.A. In September 2003, he joined Banco Bradesco S.A., where he was promoted to Executive Superintendent in April 2010. In January 2017, he was elected Officer, and in January 2019, he assumed the position of Departmental Officer at Banco Bradesco S.A. In March 2024, he was re-elected as Officer.

He is currently a Member of the Managing Board of Fundação Bradesco.

Graduated in Business Administration from Universidade Salvador (UNIFACS). He holds an International Executive MBA from Amana Desenvolvimento & Educação and completed the Program for Management Development (PMD) from IESE – University of Navarra, in São Paulo.

Marcelo Souza Ramos

Officer

Officer of Banco Bradesco S.A. since January 2025, he brings over 30 years of experience in the financial market, marked by strong and strategic relationships across the sector. He began his career at Bradesco, where he developed extensive expertise in risk control and a comprehensive understanding of risk management approaches and banking regulations. Throughout his career, he has held several roles, from Analyst to Officer, including leadership positions such as Analysis Manager, Executive Superintendent, and Senior Superintendent.

In addition, he serves as a full member of the Risk Committees of Cielo S.A. Instituição de Pagamentos, Elo Participações Ltda, Elo Serviços S.A., and Tecnologia Bancária S.A.

Graduated in Business Administration from Universidade Anhembi Morumbi, he holds multiple certifications, including an Executive MBA in Finance from IBMEC, an International Extension Program from the University of California (USA), a postgraduate degree in Economic Analysis from FIPE, a Master of Science from Université Pierre Mendes, Grenoble (France), and executive and management development programs from ISE Business School.

Márcio Renato Ribeiro Silva

Officer

Officer of Banco Bradesco S.A. since April 2025, following a long-standing career within the Organization, where he began his professional journey in 1990. Over more than three decades in the financial sector, he has built extensive experience across administrative, legal, and managerial functions, holding roles in various business units and strategic positions that have shaped his integrated view of the organization. His career reflects a significant contribution to the development of the Legal and Private Banking areas within the Organization.

He has held several leadership positions, including Legal Coordinator, Legal Manager, Legal Counsel, Head of the Legal Department, Superintendent in Wealth Management – Private Bank, Executive Superintendent, and Senior Business Superintendent in Private Banking. He is also an active member of leading legal associations, including Ordem dos Advogados do Brasil (OAB), Instituto Brasileiro do Direito de Família (IBDFAM), and Instituto Brasileiro de Planejamento Patrimonial (IBRAPP).

Graduated in Law from Universidade Santa Úrsula (USU), he holds an MBA in Law and Economics of Business from Fundação Getúlio Vargas (FGV), as well as an MBA in Foreign Trade and International Operations from Fundação Instituto de Pesquisas Econômicas (FIPE/USP). He has further specialized in Negotiation Techniques and Tax Law at Fundação Getúlio Vargas (FGV) and completed executive education through the Program for Management Development (PMD Bradesco), delivered by ISE Business School and IESE Business School.

Marco Aurélio Galicioli

Officer

Officer of Banco Bradesco S.A. since 2024, he is an executive with a solid career in the financial sector, distinguished by extensive experience in large corporate client relationships, portfolio management, and leadership of commercial teams. He began his career in 2000 and built a strong track record in Corporate Banking at HSBC Bank, where he spent over a decade in roles of increasing responsibility.

Since 2016, he has been part of the Bradesco Organization, holding strategic positions in the Corporate, Large Corporate, and Ultra Corporate segments, culminating in his election as Officer in December 2024.

Graduated in Advertising and Marketing from Universidade Federal do Paraná (UFPR), he holds an MBA in Finance from the University of Edinburgh (Edinburgh, Scotland).

Marcos Alexandre Pina Cavagnoli

Officer

Officer of Banco Bradesco S.A. since October 2024, he is responsible for the Retail Products Sales area. With over 27 years of experience in Payments, Financial Services, and Digital Transformation, he has built a strong career in leadership roles at institutions such as Itaú Unibanco, PayU (Naspers/Prosus), Citigroup, and JPMorgan, as well as in the development of fintechs such as Koin Pós-Pago, acquired by Decolar.com in 2020 and ADIQ Payments (Banco BS2).

He has a distinguished track record serving on Boards of Directors and Committees, contributing to corporate strategy and the advancement of organizations such as Totvs Techfin S.A., CIP S.A. (Nuclea), Reachr Soluções Inovadoras em RH, and Ticket Serviços S.A.

He currently serves as an Alternate Member of the Board of Directors of CIP S.A. – Nuclea and of the Executive Committee for Banking Services and Operations at FEBRABAN. In his previous career, he held positions such as Statutory Officer of Cash Management & Payments at Itaú Unibanco, CEO of ADIQ Payments, CEO and Co-Founder of Koin Pós-Pago, CEO LATAM of PayU, CEO of Banco J.P. Morgan (Vestera) in Latin America, and Head of Digital Platform & Customer Services at Citigroup.

Graduated in Metallurgical Engineering from Escola Politécnica da Universidade de São Paulo (USP), he also holds a specialization in Engineering from E.S.S.A. (Paris) and an MBA in Finance from IBMEC/INSPER.

Marcos Daniel Boll

Officer

Officer of Banco Bradesco S.A. since 2022, responsible for the Ombudsman’s office. He has more than 30 years of experience in the financial sector, starting his career in 1992 at Banco Bamerindus S.A., with operations in areas such as Human Resources, Finance and Planning. After the acquisition by HSBC in 1997, he held leadership positions, reaching the position of Product Superintendent. He joined Bradesco in 2016, where he evolved from Regional Manager to Regional Officer in 2019 and later Officer at the headquarters, leading strategic areas.

Throughout his career, he has held leadership positions in strategic and governance areas, with operations in regional network management, products and services, individual retail and customer experience. Since 2024, he accumulated roles as Officer in several companies of the Bradesco Group, including Bradesco Financiamentos, Bradescard, Bradesco BBI, Banco Digio, Banco Losango, Bradesco Administradora de Consórcios and Bradesco Leasing. He is also an alternate member of the Fiscal Council of Top Clube Bradesco and ADC Bradesco, as well as integrating relevant committees of FEBRABAN and ABRAREC, contributing to the strengthening of governance, compliance and customer relations practices in the financial sector.

Graduated in Business Administration from Faculdade Católica de Administração e Economia (FAE-PR), he has a Postgraduation in Strategic Planning and Management from the Pontifícia Universidade Católica do Paraná (PUC-PR). He complemented his training with executive programs in reference institutions, such as the High-Performance Program by the Institute of Education and Research (Insper), a Globalized Business Vision from Fundação Getúlio Vargas (FGV), Bradesco Managerial Program from ISE Business School and Advanced Management Program (AMP) from IESE Business School – University of Navarra.

Marina Bauab Carvalho Werebe

Officer

Officer of Banco Bradesco S.A., with more than 20 years of experience in the financial market, with outstanding performance in the areas of Treasury and Asset and Liability Management (ALM). In January 2025, she was promoted to Treasury Officer – ALM, an area in which she has worked for more than a decade, being responsible for managing market risk and liquidity risk of the balance sheet. She had relevant participation in the construction of the ALM area in the Bank, leading the formation of a high-performance team and the structuring of strategic processes.

She began her career in Treasury at the Customer Desk and, over the years, worked in the Trading/Flow area, focusing on derivatives pricing and risk management related to foreign exchange, interest, foreign exchange coupons and options. She joined the financial market through external audit, having worked at KPMG between 2001 and 2004.

Currently, she is a Member of the Products and Pricing Committee of B3 S.A. – Brazilian Exchange & OTC, Member of the Funding Committee of Banco John Deere S.A. and Member of the Treasury Operations Committee of FEBRABAN – Brazilian Federation of Banks.

Graduated in Business Administration from Fundação Armando Alvares Penteado (FAAP) and she has a specialization in Financial Market from FIA Business School and training in Executive Coaching at Banco Bradesco.

Marina Claudia González Martin de Carvalho

Officer

Officer of the Controllership Department at Banco Bradesco S.A. since March 2021, she has over 32 years of professional experience in the financial market, 22 of which have been dedicated to the Bradesco Organization, where she has worked in the Budget and Control, Bradesco Financiamentos, and Loans and Financing areas.

At Bradesco, she has held several leadership roles throughout her career, including positions as Analysis Manager, Superintendent, and Executive Superintendent, before assuming her current role as Officer. She has been responsible for strategic initiatives related to planning, control, risk-adjusted pricing models, and the development of strategies used as management tools.

Her management approach is results-driven and focused on continuous innovation, aiming to strengthen Bradesco’s position in the financial market.

Graduated in Business Administration from Faculdades Metropolitanas Unidas (FMU), she holds a lato sensu postgraduate degree (Executive MBA) from Instituto de Ensino e Pesquisa (INSPER) and has completed the Program for Management Development (PMD) at IESE – University of Navarra.

Marina Gravina Veasey

Officer

Officer of Banco Bradesco S.A. since December 2024, she has built a solid career in the financial market, with extensive experience in Treasury, Client Trading Desk, and relationships with large corporations, with a strong track record in sales strategies and relationship management within the corporate segment.

She began her professional career in 1994 as an intern at Credit Commercial de France (CCF), where she advanced to the role of Sales Trader. In 1995, she joined HSBC Bank Brasil, where she worked for over 20 years, rising to the position of Senior Executive – Market Sales. Following the acquisition of the institution by Banco Bradesco S.A. in 2016, she joined the Bank’s Treasury area as Head of the Client Trading Desk. In 2021, she was promoted to Executive Superintendent for the Large Corporate segment and, in 2024, to Senior Business Superintendent for Ultra Large Corporate. In 2025, she assumed the position of Officer of Global Trade & Finance.

Graduated in Business Administration from Fundação Armando Alvares Penteado (FAAP), she holds an MBA in Economics in the Financial Sector from Universidade de São Paulo (USP) and executive education in Banking from Fundação Getúlio Vargas (FGV). She has further enhanced her academic background through international programs in management and finance at institutions such as IESE Business School, Duke Corporate Education, Saint Paul Institute of Finance, and KPMG.

Mateus Pagotto Yoshida

Officer

Officer of Bradesco Expresso since February 2022, he is responsible for the nationwide management of the Bank’s correspondent banking network. He also serves as Co-Chief Executive Officer of TDS Informática S.A., a technology company acquired by the Organization in 2024, and holds leadership roles in other affiliated companies, including Mobisafe Sistemas Ltda. and Rentpos Locação e Manutenção de Equipamentos Ltda.

With over 17 years of experience in the financial market, he began his career at Bradesco in 2008 at BF Promotora de Vendas Ltda., following prior experience in the Industrial Engineering sector. Throughout his career, he has held strategic positions in Controllership, Consulting, and Planning. In 2015, he became Executive Superintendent of Planning and Operations at BF Promotora de Vendas Ltda. In December 2020, he was promoted to Officer in the Credit Recovery area, a role he held prior to assuming his current position. His management is characterized by a strategic mindset and the ability to lead complex projects, with a strong focus on innovation and results.

Graduated in Chemical Engineering from Universidade Estadual de Campinas (UNICAMP), he holds an MBA from IE Business School (Madrid) and has completed the Program for Management Development (PMD) at IESE Business School – University of Navarra, as well as the Advanced Management Program (AMP) at The Wharton School.

Nairo José Martinelli Vidal Júnior

Officer

Officer of Operations and Efficiency at Banco Bradesco S.A. since February 2024, he has built a long-standing career within the Organization, where he has been active since 1987. With over 37 years of experience in the financial sector, he has developed a strong track record in strategic areas such as Corporate, Retail, Ombudsman, and Operational Management.

He began his career in Bradesco’s branch network, holding various roles until being promoted to Department Manager in 2007. In 2012, he joined the Ombudsman area, where he was promoted to Executive Superintendent in 2015 and was elected Officer in 2018. His career is marked by a focus on operational efficiency, continuous process improvement, governance, and enhancing customer experience.

He currently also holds leadership roles within Bradesco Group entities, serving as a Member of the Governing Board of Fundação Bradesco. Previously, he held Officer positions at several companies within the conglomerate, including Banco Bradescard, Banco Bradesco BERJ, Banco Bradesco Financiamentos, Banco Losango, Bradesco Administradora de Consórcios, and Kirton Bank.

Graduated in Business Administration from Universidade Bandeirante de São Paulo (UNIBAN), he holds a lato sensu postgraduate degree in Financial Administration from Centro Universitário Sant’Anna. He also completed an in-company MBA in Banking Business at Fundação Getúlio Vargas (FGV/EAESP) and participated in the Program for Management Development (PMD) at IESE Business School – University of Navarra, in São Paulo.

Nilton Pereira dos Santos Júnior

Officer

Officer of Banco Bradesco S.A. since March 2026, he has built a distinguished career spanning over 30 years in the financial sector, with experience across card acquiring, business banking, middle market, and corporate banking segments. He has been part of the Bradesco Organization since 2016, when he joined as Executive Superintendent of Bradesco Empresas, developing a notable track record in strategic roles. He also built a solid banking career, with particular emphasis on his extensive experience at Kirton Bank S.A. – Banco Múltiplo (formerly HSBC Bank Brasil S.A. – Banco Múltiplo).

Throughout his career, he has held several senior leadership positions, including Officer of Banco Bradesco Empresas, Officer of Banco Bradesco BBI S.A., and Officer of Ágora Investimentos S.A. and Ágora Corretora de Títulos e Valores Mobiliários S.A. He also served as Regional Executive Superintendent and Head of multiple business areas at Kirton Bank S.A. – Banco Múltiplo, with responsibilities covering client acquisition, portfolio management, and team leadership across regional and national operations. He further contributed institutionally as a Member of the Governing Board of Fundação Bradesco, reinforcing his engagement in governance matters.

Graduated in Business Administration from Faculdade Católica de Administração e Economia (FAE), he has complemented his academic background with executive education at leading global institutions, including the Integrated People Management – Leading Strategy into Action program at Duke Corporate Education, the High Performance Programme – Manco at Instituto de Ensino e Pesquisa (Insper), and the Program for Management Development (PMD) at IESE Business School (University of Navarra), with a focus on leadership, strategy, and business management.

Patrícia Kessler de Assumpção

Officer

Officer of Bradesco Experience since February 2025, she is an executive with extensive experience in the financial sector, recognized for leading digital transformation initiatives, credit product management, analytics, and customer experience.

She has been with the Bradesco Organization since 2009, where she worked in commercial planning, market analysis, and pricing at Bradesco Financiamentos. From 2019 onward, she assumed responsibility for managing the P&L of the Bank’s unsecured retail credit portfolio (individual clients) as Senior Manager, leading the modernization of products through the development of digital customer journeys. In 2021, she was promoted to Executive Superintendent, when she structured the Bank’s Customer Experience area, and in 2024, she led the transformation of Retail and Wholesale credit.

Recognized for her strategic vision, pragmatism, and energy, she stands out for her ability to solve complex problems, combining critical thinking with a strong commitment to excellence to build trust and inspire cross-functional teams. After more than fifteen years within the Organization, she assumed the role of Officer of Bradesco Experience in February 2025.

Graduated in Business Administration from Mercer University (USA), she holds a Master’s degree in Finance from Georgia State University (USA) and an MBA from London Business School (United Kingdom).

Patrícia Soares Martil

Officer

Officer of Banco Bradesco S.A., a position she assumed in December 2025, following a career that began within the Organization in 1989. With over 35 years of experience in the banking sector, she has built her career predominantly in the Tax Audit area, where she held positions of increasing responsibility, including Chief Manager, Department Manager, and Executive Superintendent, before being appointed Officer. Her trajectory combines deep technical expertise, strategic vision, and consistent involvement in tax and regulatory matters.

Throughout her career at Bradesco, she has held several leadership roles, overseeing teams and projects within the Tax Audit department, currently known as Corporate Tax. In addition to her internal responsibilities, she serves as a Fiscal Council Member in affiliated companies of the Organization, including Elo Participações Ltda. and Cielo S.A. – Instituição de Pagamento, where she acts as an Alternate Fiscal Council Member. She also participates in strategic forums of institutions such as ABRASCA, ANBIMA, and FEBRABAN.

Graduated in Accounting from Fundação Instituto de Ensino para Osasco (UNIFIEO), she holds an MBA in Controllership from Universidade de São Paulo (USP), which underpins her technical and executive career path.

Rafael Forte Araújo Cavalcanti

Officer

Officer of the Data Intelligence and CRM Department of Banco Bradesco S.A. since December 2024, with a trajectory of more than 17 years in the financial market, marked by solid experience in credit risk, data analysis and strategic management.

He began his career in August 2008 as a Credit Modeling Analyst at Banco Itaú, where he was promoted to Credit Risk Coordinator in 2011. In 2013, he joined HSBC Bank Brasil S.A. as Senior Credit Risk Manager, remaining until 2016 when the institution was acquired by Bradesco. At Bradesco, he worked as Manager of the Credit Department, being promoted to Executive Superintendent of the Data Intelligence Department in 2020. In February 2024, he assumed the Board of Executive Officers of that same department and, in December of that same year, he also headed the CRM Department.

His management is oriented toward innovation, strategic use of data and development of solutions that drive efficiency and customer experience.

Graduated in Computer Engineering from the State University of Campinas (UNICAMP) and he holds a Professional Master’s degree in Economics from Insper, in addition to having completed international executive programs: including Program for Management Development (PMD) from IESE Business School (University of Navarra) and Advanced Management Program from Wharton Executive Education.

Rafael Padilha de Lima Costa

Officer

Officer of Banco Bradesco S.A., with solid experience in business administration and financial management, he has a trajectory marked by the leadership of teams and conducting strategic projects in financial institutions. In August 2024, he was elected Officer of Banco Bradesco S.A., after a relevant performance at the institution, where he previously held the position of Senior Superintendent at Banco Bradesco BBI S.A.

Currently, he has multiple governance positions, working as Officer of Banco Bradesco BBI S.A., of Alvorada Administradora de Cartões Ltda., of 2b Capital S.A., of Bradesco Holding de Investimentos S.A., of Cubos Holding Participações Ltda. and of Varese Holdings Ltda., besides being a Member of the Integration Committee do Banco John Deere S.A.

Graduated in Business Administration from the University of Miami, where he also completed a Bachelor of Business Administration with Honors from the Department of Finance. He holds a Master of Business Administration (MBA) from the University of Chicago Booth School of Business and complementary executive training in Influence and Negotiation Strategies from Stanford University, Business Model Innovation in the Digital Age from Wharton School – University of Pennsylvania and the Advanced Management Program (AMP) Bradesco from University of Navarra.

Régis Eduardo Prenhaca Carreira

Officer

Officer of Bradesco Corporate since November 2025, following his tenure as Executive Superintendent at Bradesco Empresas Corporate from 2018 to 2025. He has more than 20 years of experience in the financial market, with a solid track record across Corporate Banking, Large Corporate, and Middle Market segments. He began his career at Kirton Bank S.A. – Banco Múltiplo (formerly HSBC Bank Brasil S.A.), where he held strategic roles in relationship management and regional leadership, working in São Paulo and Campinas.

Throughout his career, he has held key positions in strategic areas such as Corporate & Investment Banking, Large Local Corporate, and Corporate Banking, in addition to leading regional structures, including roles as Regional Superintendent and later as Head of Corporate for the Middle Market Enterprises segment in the interior of São Paulo. Since joining Bradesco, he has progressed to senior executive positions of increasing responsibility, contributing directly to the development and performance of the Corporate portfolio.

Graduated in Mechanical Production Engineering from Universidade de São Paulo (USP), he holds an MBA in Corporate Finance from Faculdade de Campinas (FACAMP). He has also completed the Program for Management Development (PMD) at IESE Business School – University of Navarra.

Renato Camargo Nascimento Junior

Officer

Officer of Banco Bradesco S.A. since January 2026, he is responsible for the Marketing Department and serves as Vice President of the National Board of the Associação Brasileira de Anunciantes (ABA). He has built a solid career spanning more than two decades in marketing, customer experience, and large-scale brand building. Prior to joining Bradesco, he served as Vice President of Customers at Farmácias Pague Menos, where he led integrated strategies across marketing, CRM, digital sales, and customer experience. He is also an angel investor and startup advisor, contributing to the development and acceleration of early-stage ventures.

He served as Country Manager and Chief Marketing Officer (CMO) at RecargaPay, where he led Marketing, Growth, and Customer Experience, with responsibility for acquisition, retention, and loyalty strategies, covering both B2B and B2C marketing and customer experience. Throughout his career, he has also held leadership roles at Grupo Pão de Açúcar, including Head of Marketing, where he was responsible for loyalty programs, customer platforms, and CRM for the Extra and Pão de Açúcar brands. He has also worked at Grupo Accor, Gol Linhas Aéreas, Panrotas Editora, and Grupo White de Comunicação.

Graduated in Advertising and Marketing from Escola Superior de Propaganda e Marketing (ESPM), he holds a postgraduate degree in Business Administration and an MBA in Business Management from Fundação Getúlio Vargas (FGV), as well as international executive education through the LEAD Program at Stanford Graduate School of Business. He also holds a Board Member Certification from the Instituto Brasileiro de Governança Corporativa (IBGC).

Ricardo Barbieri de Andrade

Officer

Officer of Banco Bradesco S.A. since January 2020, he has built a solid career in the financial market, having begun his professional journey at Bradesco Seguros in 1995. He subsequently worked at Bradesco Capitalização and Banco Bradesco BBI S.A., where he served as a Trader and Market Operator. In 2014, he assumed coordination and later management of the Client Trading Desk, being promoted to Superintendent in 2019. In January 2020, he was appointed Officer at Banco Bradesco S.A., and in November 2025, he returned to the institution in the same role, which he currently holds.

He currently serves as a Member of the Board of Directors of ANCORD, and also holds Officer positions at Ágora Corretora de Seguros S.A., Ágora Corretora de Títulos e Valores Mobiliários S.A., Ágora Educacional Ltda., Ágora Investimentos S.A., and Bradesco S.A. Corretora de Títulos e Valores Mobiliários.

Previously, he served as Executive Superintendent at Kirton Bank S.A. – Banco Múltiplo and as a Member of the Board of Directors of RCB Investimentos S.A.

Graduated in Data Processing Technology from Universidade Presbiteriana Mackenzie, he holds an MBA in Business Management from Fundação Instituto de Administração (FIA), as well as a postgraduate degree in Business Administration from FIA/FEA/USP. He has further complemented his education with specializations in Wealth Management, Risk Management, and Finance.

Ricardo Eleutério da Silva

Officer

With almost 30 years of experience in the financial market, he began his career in 1993 at Banco Bradesco, with subsequent roles at Citigroup and Western Asset Management. In 2009, he worked at Western Asset in the United States.

In 2011, he joined HSBC Bank in the Fund Administration area. In 2013, he moved to HSBC Global Asset Management, where he assumed the role of Superintendent of Products, being responsible for both local and offshore structures.

He currently serves as Officer of Bradesco Asset Management.

Graduated in Economics, he holds a postgraduate degree from Fundação Instituto de Administração (FIA), an MBA in Finance from IBMEC/SP, and has completed the Advanced Management Program (AMP) at IESE Business School – University of Navarra, in Barcelona.

Roberto França

Officer

Officer of Agribusiness at Banco Bradesco S.A. since February 2018, he has built a distinguished career spanning 40 years in the financial market, 22 of which have been dedicated to the Bradesco Organization, with experience in the Corporate and Agribusiness segments. Throughout his tenure at Banco Bradesco, he has held several leadership roles, including Regional Manager, Executive Superintendent, and Officer of the Corporate segment.

In his current role as Officer of Agribusiness, he is responsible for the distribution of Agribusiness products across multiple segments of the Bank, as well as for institutional engagement with regulatory authorities and the Central Bank. He also oversees Bradesco’s participation in the main agribusiness trade fairs across Brazil, in addition to product and institutional responsibilities. He further coordinates the Agribusiness Platforms, which address the needs of farming clients, with a focus on working capital and investment solutions for individuals, as well as the structuring and compliance of Wholesale segment operations. Since May 2025, he has served as a Member of the Board of Directors and of the Pricing Committee of Banco John Deere.

Graduated in Economics from Universidade São Judas Tadeu, he holds a specialization in Finance, Derivatives, and Business Valuation from Instituto Brasileiro de Mercado de Capitais (IBMEC). He has also completed the Strategic Business Vision Program at Fundação Dom Cabral and the Program for Management Development (PMD) at IESE – University of Navarra, in São Paulo.

Romero Gomes de Albuquerque

Officer

Officer of Real Estate Credit at Banco Bradesco S.A. since June 2018, he has built a distinguished career spanning over 38 years in the financial market, 23 of which have been dedicated to the Bradesco Organization, where he has worked in Retail and Financial Products commercial areas.

At Bradesco, he has held several leadership roles throughout his career, including regional positions in the commercial area within the client segment (branch network), as well as Executive Superintendent of Products in the Loans and Financing division.

His management approach is results-driven and guided by a strategic vision, contributing to strengthening Bradesco’s position as a key player in the Real Estate Credit market.

Graduated in Civil Engineering from Universidade Federal de Pernambuco (UFPE), he holds a specialization in Business Management from Universidade Católica de Pernambuco, a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC), and an in-company MBA in Banking Business from Fundação Getúlio Vargas (FGV/EAESP). He has also completed the APG – Advanced Management Program at Amana-Key and the Program for Management Development (PMD) at IESE Business School – University of Navarra, in São Paulo.

Rubia Becker

Officer

Officer of Banco Bradesco S.A. since January 2020, she is currently responsible for the Wholesale Credit area. She is recognized for her solid professional experience, built over 30 years in the financial market, with expertise in credit, risk, and commercial functions across both domestic and international institutions.

She began her banking career at BankBoston in 1995, and subsequently worked at Unibanco, ABN AMRO, and WestLB, where she served as Deputy Credit Officer in New York until 2004. In the same year, she joined HSBC, where she advanced to the position of Head of Wholesale Credit Risk and Market Risk for Latin America, remaining until October 2016, when the institution was acquired by Bradesco. At Bradesco, she joined as Executive Superintendent in the Credit Department and, in 2018, moved to the Credit Recovery area, where she served until being elected Officer in 2020. She is a Full Member of the Credit Committee of Elo Participações Ltda., as well as of the Credit Policy Committee and the Risk and Capital Committee of Banco John Deere S.A.

Her career is marked by the leadership of strategic initiatives, the management of multidisciplinary and multicultural teams, and the ability to drive complex projects, contributing to the strengthening of credit and risk practices in the financial market.

Graduated in Business Administration from FADEPS/Uniandrade – PR, she has completed executive education programs in Leadership at Kellogg School of Management (Chicago), in Management through the Program for Management Development (PMD) at IESE – University of Navarra, and Stanford LEAD at Stanford University Graduate School of Business.

Ruy Celso Rosa Filho

Officer

Officer of Finance at Bradesco, responsible for the Financial Planning and Analysis (FP&A), Costs and Efficiency, and TO Finance (Transformation Office) areas.

He began his career at Bradesco in January 2001, in the Controllership area. Between 2008 and 2024, he worked in Treasury, building solid experience across the Market, Trading/Flow, and Asset and Liability Management (ALM) desks. In October 2010, he was appointed Superintendent of the Market Desk, and in January 2019, he was elected Officer. In 2024, he became part of the Bank’s transformation initiative, assuming responsibility for TO Finance (Transformation Office), with a focus on the Organization’s strategic evolution.

Graduated in Business Administration from Universidade Paulista (UNIP), he holds a specialization in Finance from Instituto Brasileiro de Mercado de Capitais (IBMEC) and has completed the Advanced Management Program (AMP) at IESE Business School.

Soraya Bahde

Officer

Officer of Culture & Talent at Bradesco, one of the largest financial groups in Brazil. She has built a solid career in people management, with approximately 20 years of experience in cultural and business transformation, as well as leading Innovation and Agile teams. She has served as Chief Human Resources Officer (CHRO) at Alelo, Veloe, and Multiplus, LATAM’s loyalty company, among other leadership roles in Human Resources.

Graduated in Business Administration from Mackenzie and has continuing education in Marketing, Corporate Governance, Neuroscience, and Human Development.

She is recognized for leading consistent cultural transformation initiatives that align performance excellence with people development and engagement.

She has participated as a speaker and panelist at events focused on people management, futurism, and technology, including CONARH, TDC, Welcome Tomorrow, C4, and IT Forum. She has also served in a volunteer capacity as Strategic Director at ABRH-SP and as a mentor. She is co-author of the books Experiência do Colaborador na Teoria e Muita Prática and High Tech High Touch.

Telma Maria dos Santos Calura

Officer

Officer of Banco Bradesco S.A., a position she has held since January 2022. With over 35 years of experience in the banking sector, she has built a solid career at leading domestic financial institutions, holding both executive and strategic management roles. She has been part of the Bradesco Organization since 2003, where she has held key leadership positions across regional divisions and business units in various cities in the interior of São Paulo and in the state of Minas Gerais. Prior to joining Bradesco, she developed her career at institutions such as Unibanco (now Itaú Unibanco) and Banco Excel Econômico S.A.

Throughout her career, she has held several leadership positions, including Prime Branch Manager, Regional Manager across multiple regional divisions—such as São Paulo Interior, São José do Rio Preto North, Ribeirão Preto East, and Ribeirão Preto West—and later Regional Officer for the Minas Gerais 1 Regional Division. Her professional trajectory reflects consistent performance in team leadership, execution of commercial strategies, and regional business development. Prior to her tenure at Banco Bradesco, she held managerial roles in branch operations and client portfolios, further strengthening her comprehensive understanding of the financial market.

Graduated in Law from Universidade de Ribeirão Preto (UNAERP), she holds an MBA in Business Management and an Executive MBA in Business Administration with a focus on Banking, both from Fundação Getúlio Vargas (FGV). She has also completed the Advanced Management Program (AMP) at IESE Business School – University of Navarra.

Vinícius Panaro

Officer

Officer of Banco Bradesco S.A. since February 2024, he has built a solid career spanning more than 23 years within the Bradesco Organization, where he began in December 2001 as a messenger in the General Accounting Department. Over the years, he has held strategic and leadership roles, consolidating his expertise in Accounting and Controllership.

At Bradesco, he was promoted to Accounting Manager in 2013 and subsequently to Department Manager in 2017. In 2020, he joined the Controllership Department and was promoted to Executive Superintendent in early 2021. In 2023, he temporarily assumed responsibility for General Accounting, until being elected Officer in February 2024, when he formally took charge of this function.

In addition to his role at Banco Bradesco, he holds relevant positions within other companies of the Bradesco Organization.

Graduated in Accounting from Universidade de Mogi das Cruzes (UMC), he holds an MBA in Controllership from Fundação Instituto de Pesquisas Contábeis, Atuariais e Financeiras (FIPECAFI), a specialization in Financial Markets from ANBIMA, and has completed international executive education through the Program for Management Development (PMD) at IESE Business School – University of Navarra.

Altair Luiz Guarda

Regional Officer

Regional Officer of Banco Bradesco S.A., where he began his career in August 1986 as a Clerk. Over the years, he held various administrative positions, reaching the position of Branch Manager in December 1998. He worked in four branches in Paraná and later in two branches in São Paulo. In February 2014, he became Regional Manager in the Penha-SP region, also working in the Santo Amaro and Santa Cecília regions.

In April 2018, he was elected Regional Director, initially in the North/Northeast Directorate, and then in the Rio Grande do Sul and Santa Catarina Directorates.  In February 2022, he took over the Southeast ABC/Litoral Directorate and currently leads São Paulo Capital 2, where he has remained to this day.

He holds a degree in Business Administration from Faculdade de Cascavel (FADEC). He has an Executive MBA in Business Administration – Emphasis in Banking from Fundação Getúlio Vargas (FGV), in addition to having completed PGB Bradesco – Class 1 (2016) and AMP – Advanced Management Program, both at ISE Business School, in São Paulo.

Amadeu Emilio Suter Neto

Regional Officer

Regional Officer of Banco Bradesco S.A., where he began his career in April 1985. In January 1995, he was promoted to Branch Manager, and, in January 2006, he assumed the position of Regional Manager. In February 2015, he was elected Regional Officer, a position he has held since then.

He holds a degree in Business Administration from Faculdades Integradas de Ourinhos (FIO). He also holds a Lato Sensu Postgraduate Degree in Strategic Business Management, with a concentration in Administration, also from Faculdades Integradas de Ourinhos (FIO). He also completed an Executive MBA in Business Administration – Emphasis in Banking from Fundação Getulio Vargas (FGV). In addition, he participated in the PMD – Program for Management Development, conducted from IESE – University of Navarra, in São Paulo.

César Cabús Berenguer Silvany

Regional Officer

Regional Officer of Banco Bradesco S.A., with extensive experience in the banking sector, where he began his career in September 1989 at Banco Econômico S.A., an institution later acquired by Banco Excel Econômico S.A. and, later, by Banco Bilbao Vizcaya Argentaria Brasil S.A., currently called Banco Alvorada S.A. In September 2003, he transferred to Banco Bradesco S.A., being promoted to Regional Manager in July 2004. In December 2016, he was elected Regional Officer, a position he holds to this day. In addition, he served as Deputy Director of the Management Unit at Banco Alvorada S.A.

He holds a degree in Business Administration from Faculdade AIEC. He holds a postgraduate degree in Banking Business from Fundação Getúlio Vargas (FGV/EAESP), in addition to having completed the “PGB Bradesco – Class 1 – 2016” program from ISE Business School in São Paulo and the PMD Bradesco – Program for Management Development from IESE – University of Navarra.

Deborah D’Avila Pereira Campani Santana

Regional Officer

Regional Officer at Banco Bradesco S.A., responsible for multiple branches across the states of Rio de Janeiro and Espírito Santo. An executive with an extensive and solid career in the financial market, she has successfully navigated key transitions at Bamerindus, HSBC, and ultimately Bradesco. In April 2019, she was promoted to Regional Officer, a position she currently holds, overseeing billions in assets under management and leading a large team of professionals. In 2023, Deborah led the complex merger of the RJ and RJ/ES Regional Directorates.

She holds a degree in Business Administration from Universidade Gama Filho (UGF). She has completed executive education programs focused on strategy and people management, including the HSBC High Performance Programme – Retail Managers at Instituto de Ensino e Pesquisa (Insper) and the Programa Gerencial Bradesco – PGB (Cohort 3) at ISE Business School, in São Paulo. She also holds an MBA in Strategic People Management from Fundação Getúlio Vargas (FGV) and completed the AMP – Advanced Management Program at ISE – University of Navarra.

In addition, she holds an MBA in Leadership, Innovation, and Management 4.0 (distance learning) from Pontifícia Universidade Católica do Rio Grande do Sul PUCRS), a LEADER ID specialization from ISE Business School, and a specialization in “Women in Leadership” from MIT Professional Education.

Edmir José Domingues

Regional Officer

Regional Officer at Banco Bradesco S.A., an institution he joined in October 1985. In December 2007, he was promoted to Department Manager, and in June 2011, he assumed the position of Executive Superintendent. In July 2016, he was elected Officer, and in January 2022, he was appointed Regional Officer.

Previously, he served as a member of the Governing Board of Fundação Bradesco.

He holds a degree in Economics from Universidade Presbiteriana Mackenzie and an MBA in Financial Sector Economics from FEA USP. He has completed executive education through the Management Program at ISE Business School, an institution associated with the University of Navarra. He is also currently pursuing an MBA in Agribusiness at Escola Superior de Agricultura Luiz de Queiroz (ESALQ/USP).

Hebercley Magno dos Santos Lima

Regional Officer

Regional Officer of Banco Bradesco S.A. He began his career in 1990 at Banco Bamerindus, an institution later incorporated by HSBC Bank. In 2000, he joined Banco BBV as Branch Manager. In 2003, he joined Banco Bradesco S.A., where he served as Branch Manager until 2015, when he took over Regional Management in Feira de Santana, Bahia. In 2017, he became Regional Manager in Vitória, Espírito Santo, and in 2019, he took over Regional Management in São Paulo. In January 2021, he was promoted to Regional Officer at the Bahia Regional Office and is currently Regional Director at the Northeast 2 Board.

He holds a degree in Accounting from the Bahia College of Sciences (FABAC). He has an Executive MBA in Business and Banking Finance, with applied research on the profitability of banks during the Real Plan (1994–2002), from the College of Business Technology (FTE). In addition, he holds a Lato Sensu/Executive MBA in Business Administration, with an emphasis on Banking, from Fundação Getúlio Vargas (FGV).

José Roberto Guzela

Regional Officer

Regional Officer at Banco Bradesco S.A., a position he has held since December 2016. With more than 40 years of experience in the banking sector, he began his career at the Organization in 1985 and has built a solid professional trajectory across operational, administrative, and management areas, developing broad competencies in leadership, commercial relations, and the execution of regional strategies. Throughout his professional journey, he has worked in various units in Paraná and São Paulo, reaching roles of increasing responsibility.

During his career at Bradesco, he held prominent positions such as Branch Manager in Araucária, Maringá Centro, Londrina Centro, Monsenhor Celso, and Nova Central, in addition to serving as Regional Manager in the Regional Management offices of Campinas Oeste, Jundiaí, and Lapa. His progression to the role of Regional Director reflects his strong experience in team leadership, business development, and strategic engagement with the service network.

He holds a Bachelor’s degree in Accounting Sciences from Faculdade Estadual de Educação, Ciências e Letras de Paranavaí (FAFIPA), MBA in Marketing from Unicesumar and an Executive MBA in Business Administration with an emphasis in Banking from Fundação Getúlio Vargas (FGV).

Marcelo Magalhães

Regional Officer

Regional Officer at Banco Bradesco S.A. since January 2022, working in the Diretoria Regional Rio Grande do Sul/SC. With a career spanning more than three decades in the financial sector, he began his professional journey in 1990 at Banco de Crédito Real de Minas Gerais S.A., which was incorporated into Bradesco in 2004. He has been part of Organização Bradesco since 1998, having developed his career across various business areas and regions of the country, especially in the retail segment and branch management.

Throughout his trajectory, he has held leadership positions in strategic units, including Executive Superintendent at Bradesco Varejo, Regional Manager across multiple markets, and Branch Manager in different states. His professional evolution includes experience in corporate areas, retail operations, and regional business management, demonstrating extensive expertise in leadership, commercial relations, and the development of high‑performance teams.

He holds a degree in Accounting Sciences from Universidade do Vale do Itajaí (UNIVALI) and a postgraduate degree in Banking Business from Fundação Getúlio Vargas (FGV). He has further enhanced his qualifications through executive programs, including the PMD Bradesco – Program for Management at IESE – University of Navarra, as well as the PGB Bradesco program at ISE Business School. He has also completed additional courses, such as Acting for Executives at Fundação Armando Alvares Penteado (FAAP) and holds an MBA in Corporate Finance from Fundação Getúlio Vargas (FGV).

Marcos Alberto Willemann

Regional Officer

Regional Officer at Banco Bradesco S.A. since February 2022. He led Bradesco’s operations in the Northeast for more than two years and is currently managing the Central-West region. He has over 30 years of experience in the financial sector, having started his career in 1996 at Kirton Bank S.A. – Banco Múltiplo (formerly HSBC Bank Brasil S.A.), where he built a solid trajectory in service, relationship management, and leadership roles. He joined Bradesco in 2016 as a Regional Manager in Guarulhos, São Paulo, and later became the first Regional Manager of Bradesco Digital. He advanced to Executive Superintendent for Retail in 2020, overseeing Commercial Management for Payroll Loans, until reaching his current position as Regional Officer.

Throughout his career, he has held strategic roles in different regions of the country, with strong performance in commercial management, business expansion, team leadership, and the oversight of regional operations. In addition to his executive trajectory, he holds relevant positions in the financial sector, including serving as Chairman of the Board of Directors of the Associação de Bancos nos Estados de GO, TO e MA (ASBAN) since 2025, and as President of the Executive Board of the Sindicato dos Bancos dos Estados de Pernambuco, Alagoas, Paraíba e Rio Grande do Norte, where he also serves as a representative to FENABAN, since 2022.

He holds a degree in Business Administration with a concentration in Foreign Trade from Universidade Católica Dom Bosco (UCDB). He has executive training in Administration and Business from ISE Business School and completed the program “Digital Disruption: Digital Transformation Strategies” at the University of Cambridge Judge Business School. His academic background also includes the Gerência Júnior Program at HSBC, and he is currently pursuing an MBA in Business Management at Fundação Getúlio Vargas (FGV) and completing his MBA in Agribusiness at USP/Esalq.

Nelson Pasche Junior

Regional Officer

Regional Officer at Banco Bradesco S.A. since February 2022, working in the Diretoria Regional Norte. With more than 28 years of experience in the financial sector, he began his career at Banco Bradesco S.A. in 1998. Throughout his professional trajectory, he has built solid experience across multiple business fronts, holding roles in customer service, account management, branch leadership, and executive functions, with operations in several regions of the country, especially in the state of São Paulo and the Distrito Federal.

Over the course of his career, he has held strategic positions such as Executive Manager and Regional Manager at Bradesco Varejo, as well as leadership roles in the Gerências Regionais of Brasília Norte and Osasco, in addition to heading multiple branches in different regions. His career progression reflects extensive experience in commercial management, customer relationship management, team development, and oversight of regional operations. He also has complementary experience in incorporated institutions, such as Banco Alvorada S.A. (formerly Banco Bilbao Vizcaya Argentaria Brasil S.A.).

He holds a degree in Accounting Sicences from Universidade Padre Anchieta and an MBA in Business Banking from Fundação Getúlio Vargas (FGV). He has also completed the Bradesco Manegement Program – PGB Bradesco at ISE Business School – University of Navarra.

Welder Coelho de Oliveira

Regional Officer

Regional Officer at Banco Bradesco S.A. since December 2024. With a career spanning more than two decades within the Bradesco group, he has extensive experience in channel management, relationships with banking correspondents, and business development, with strong performance in the Central-West and Northern regions of the country.

He began his career in December 1999 as a Clerk at the Gama Branch of Banco Bradesco S.A. In March 2004, he was promoted to Executive Deputy Manager A in the Central-West Regional Directorate, where he worked in branch management and support for the service network. In 2007, he joined Banco Postal as Regional Deputy Manager C, and in 2010, he was promoted to Chief Executive Manager. In 2014, he assumed the position of Department Deputy Manager at Bradesco Expresso, and over the years held various leadership positions, including Department Manager and Executive Manager, until being promoted to Senior Business Superintendent in July 2024.

He holds a Bachelor’s degree in Economics from Universidade do Estado da Bahia (UNEB), and an MBA in Business Management from Fundação Getúlio Vargas (FGV). He has also completed international executive programs, such as the Program for Management Development (PMD) at IESE Business School, the course in Digital Transformation Strategies at the University of Cambridge, and the International Executive MBA in Leadership and Management (ESMT) at Saint Paul.